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Perfect. Oh, good. If you do have to rush off, though, because I know, obviously, with your work, if you are just let me know. Yeah. And I'll try to make it quick for you. But before I do kind of jump any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yeah. Beautiful. Before I kind of jump into things as well, I do like to start by asking if there is anything specific that you're hoping to get out of the review today or any particular questions you have, or or there's just a bit of a catch up and see where everything's at. Mhmm. Okay. And with time frames, do you know how long until it's all kinda sorted? Okay. Yeah. Okay. Perfect. And, obviously, getting things refinanced and everything, do you have a good mortgage and stuff that can help you, or do you need help with any of that? Okay. Yeah. Okay. Perfect. If you do struggle or need assistance, just let us know, and we can always refer you on through someone. Now do you know as part of the settlement if anything is changing with your superannuation? Okay. Okay. Okay. Great. Yes. Oh, beautiful. That's great. That's good. That's good, especially with the kids and stuff as well. That's really good to hear. Alright. So I'll update. Yeah. No. That's fine. We can we can leave that be. Now with the assets, just so I can update. Sorry. The the one that you will keep, is that the the one valued last at about 800,000, like the one that you lived in? Okay. So yep. So that will be yours. Now do you know if it's still valid at about 800? Yeah. Yeah. True. Do you want me to update to $9.50? If he's yep. Okay. Yeah. Perfect. And with the mortgage on that one, I have it at about $5.15. Four 50. Okay. Beautiful. And then the other property, that will then be in your ex wife's name. Is that correct? That won't be in yours anymore? No. Okay. Perfect. Otherwise, I have a motor vehicle at about 20,000. Is that that's yours? Yeah. Yeah. Okay. And do you know if you were to repay out the the lease and everything, how much would be left on the car owing? No. That's all good. Just put on sure. Any other assets in your name otherwise? No. Okay. Great. So what I'll do is I'll just quickly go through the fact line while we are kind of talking about this to see if there's anything else that's changed, if we need to make any changes to your advice. So just kind of bear with me as I run through this. Now next up, Ken, I still have Courtney nominated. Would you like to change this? That's fine. Okay. Yeah. And it's just in the event that something happens to you and someone to contact. It doesn't give her any rights on anything. It is just a point of contact. Yep. Perfect. And when it comes to estate planning, I do have here, obviously, your super insurance going through 50% Emma, 50% Lucy. That's still correct? Yep. Beautiful. And employment wise, so, obviously, still a paramedic? Yep. Perfect. So still with Queensland ambulance, still working full time. No changes there. No. Beautiful. Income, I have at about one fifty. Do you know if that's still the case? Yep. Perfect. And I do have here as well, obviously, salary sacrifice. It's about 245 a fortnight. Does that sound about right with your extra contributions? So the salary sacrificing to save that. Yeah. Perfect. Great. Otherwise, health and lifestyle, have you had any changes, like any significant health issues, injuries, anything? All good there? Yep. Beautiful. And do you have a will or power of attorney or anything like that in place? Nope. Alright. That's good. And I guess when it comes to goals, the stuff that you're working towards or that you are wanting to achieve during the under review, it's sometimes good to do a bit of a check-in to see what's changed. Obviously, I imagine that right now, the main focus is obviously with the the settlement and the court and everything and get that all sorted. Aside from that, do you have anything particular that you are working towards that you are wanting to achieve yourself? Mhmm. Yep. Okay. Perfect. So looking at the the South Manit Superfund route potentially. Yeah. Perfect. Because that's kind of they have recently changed with the the budget and everything changes in regards to having properties inside superannuation as well. So the only way that you can have property inside superannuation is through a self managed super fund. What they have changed is that you are no longer so as of the tenth of this month, they changed that that you are no longer able to borrow money inside super inside the self managed super fund for a residential property. So unless you use everything that you have and that covers the property, you yeah. Because it's more so even, like, investment properties and stuff, like, it has to be commercial property if you wanna borrow. Otherwise yeah. Yes. Exactly. Not to borrow. So if you have enough money in superannuation and you pay for it outright, which obviously most people can't, then they have changed the borrowing arrangement inside superannuation. So they have made it quite a lot harder with that. But, you know, it's always something we can assess, see how things go. You never know what rules and stuff changes before it's something we can always keep an keep an eye on and kind of see see what happens down the track. Yeah. Okay. Beautiful. Otherwise, I have here that you wanna retire ideally at 60 with an income of about a thousand dollars per week if you don't have the mortgage. Yeah. Yeah. Yeah. And if, obviously, if you think of your current situation, if you were to retire, do you think you need a little bit more than a thousand dollars, obviously, with if you have the mortgage and stuff? Yeah. How much would you say? Like, 1,500, 2,000 a week? What yes. Okay. Okay. Perfect. So that's all good. So, ideally, 60, but you obviously work probably until the mortgage is cleared to give you that a little bit more financial stability. Yeah. Okay. Great. Now, otherwise, when it comes to how your money is invested in superannuation, I'll just kind of quickly go through a couple of questions to see if your risk tolerance has changed in terms of how we actually invest your money in your superannuation. It is all just multiple choice to make it nice and easy, and there is no right or wrong answer. Now, Richard, have you ever bought direct shares yourself? No. Perfect. And when it comes to how much risk you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Moderate? Yep. That's all good. And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment. And then after six months, it decreased by 20% due to market trends. Would you think that if you had the option to do so, now is good time to put more money in while the prices are down. Would you be kind of a bit neutral just wanting to kind of hold and wait to see what happens before making any decisions, or would you feel like you would rather sell out and move to something a bit more secure but that means you are then also selling when the prices have dropped. Neutral. Yep. Perfect. And, again, when it comes to fluctuations, if you ever notice fluctuation in any of your investments, including superannuation, would you feel optimistic about future investment opportunities? Again, kind of a bit new neutral, optimistic? Yep. Perfect. And the last one comes in regards to borrowing. So would you ever consider taking out a loan to invest in stocks or funds personally? Probably. Yeah. Okay. Perfect. And now, Richard, that tells me here that you have come out as a high growth investor, which is the portfolio we currently have you invested in. Now do you remember what it means to be a high growth investor at all? Yeah. So it is it's not like you're aggressive. So that will be, like, your in terms of, like, the different levels we have, we have, like, aggressive plus, which is where you're actually borrowing money to invest, and, obviously, that's the riskiest. And then you have aggressive, and then you have high growth. So it is still, you know, quite high in terms of how much you have allocated to your growth investments, which is a combination of Australian shares, international shares, but also property. And these are the ones that's going to give you the most amount of growth, but like you said, also fluctuate the most. So in a high growth portfolio, we have about 90% allocated to this and then about 10% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit, but that's only a smaller portion. Now happy with that. Beautiful. And, also Yeah. And, like, when you are looking at a time frame, so there's a couple of things that obviously comes into play. One of the things we look at is time frame, which is to make sure that you have enough time for these kind of up and down fluctuations. Sorry for that to come back around before retirement. And in a high growth portfolio, we typically would like to see eight years until retirement. So you certainly have that behind you. So from a time frame point of view, it's in a good position to kinda grow your super so you have more by retirement as long as you are comfortable seeing, you know, a bit of those short term fluctuations. Yep. Okay. Beautiful. We'll we'll leave that as a high growth for now. And, obviously, if anything changes, let us know. And then the closer you do get to retirement, that's where we then gradually start to looking at shifting things a little bit for you. Yeah. Perfect. Now the next thing, Richard, is just to go through a couple of documents about your super and your insurances and performance on your investments. So do you have access to your emails at the moment, or is it a bit hard? No. That's all good. If you're happy for me to do so, I'll just kind of quickly run through the documents. And then later, I have to send you an email with those attachments. So have a look through them. And if you have any questions, you can always just give me a call. Okay. Beautiful. Now with the documents, you will see the first one, which is a breakdown of your super and your insurances. Now it does show you your current superannuation with hub twenty four. I did have a quick look at your super balance as of last annual review when we spoke as well just to give you that comparison. And at that time, you had 426,547 in there. And now you have $461,602 in there. Yep. Now with your insurances, you have some insurance with MetLife as well. You have your life and total permanent disability insurance, and that will cover you for 567,000. Now, obviously, with the changes in assets and stuff, are you still happy with the level of cover you have for for life and TPD? Yep. Beautiful. And if something were to happen, at least they will pay out the mortgage on on the property, leave you a little bit of extra as well to cover any expenses, or, obviously, if something were to happen to you, leaving that to your kids as well. Yep. Beautiful. Now you also have your income protection, and that will cover you for $8,995 per month. Now you do have a 90 day waiting period and a five year benefit period. Are you still happy with the level of cover you have for your income protection? Yep. Beautiful. Now with the income protection as well sorry. With all those three covers, they are paid from within hub twenty four, so you don't pay for those out of pocket. You do get a 15% tax rebate, and total premium is 2,550 for those three. Yep. You also have trauma cover, and that is paying you out a 111,857 if something were to happen. You pay for that out of pocket, and it's about $27.25 per month. Also happy with the trauma cover? Yep. Perfect. Now the next document shows you your performance. So, basically, what's happened with your investments in your superannuation over the last twelve months. So, obviously, the last twelve months, we have had bit of bit of fluctuations in the market, which I'm sure you've seen on the news and everything that has happened. But in saying that, though, and in the fact that you are in a high growth portfolio, which can see more fluctuations with everything going on in the market, it's still done pretty good. So in the last twelve months, after all fees have been deducted from your account, it's still gone up by 8.68 percent, which we're quite happy with given the the market conditions. So that's good. In terms of a dollar value, so that is just growth on your investments, it's about 44,538. So pretty, pretty good still. Now when it comes to your investments, we also want to make sure that we do take a, obviously, proactive approach to your investments. It's something we always research. Because if there is a investment that we foresee, you know, underperforming a little bit or potentially not being the best option moving forward and we think there might be other suitable options, we do obviously want to take that proactive approach. So I can see that there is one investment in your portfolio that I would like to do a little bit more research on and see if we want to look at changing it because it has underperformed a little bit. The rest of your investments are doing really well if you are happy for me to do that for you. Yep. Great. Any questions so far, or that's pretty straightforward? No. Perfect. Now you will also have your certificate of currency for your insurances. Just gives you a little bit more information in regards through them, but basically lets you know that's all paid and up to date. Now you will also have your Oakview services guide. Again, you would have seen this a couple of times before. It is one of those compliance documents. It does give you all the important information in regards to us here at Oakview. View. You'll see all the directors, advisers, and everything in there. The one thing I do want to let you know is that we've had a little bit of change when it comes to our fee structure. So for you, right now, it's actually turning out a little bit cheaper, which is great. So if you remember that it it used to be a flat fee of 1.65% from superannuation. And now what we are changing to is more of a tiered structure, whereas your super balance grows, it will then gradually get cheaper. That is outlined in that document for you. But just for your reference, it means that from between zero to two hundred thousand, it's the same at 1.65. Then between 200,000 and 500,000, it's reduced to 1.375%. Then between 500,000 and a million, it's 1.1. And then 1,000,000 to 2,000,000, it's 0.825. So, essentially, it kind of just decreases as your balance grows. Does that make sense? Yep. Okay. Beautiful. So that's all in there for you, but it is also outlined on the ongoing service agreement as well, which is the next document. That one here, it will ask for your signature later if you're happy to do so, and that is just to say that you are happy to stay on as a client. Now it is not a lock in contract, Richard. So if at any point in time you are not happy, it is not a lock in contract. There's no excess fees or anything like that. But by signing this, otherwise, it just allows us to manage all your investments and your and your insurances and everything for you in the meantime. Does that all make sense? Yep. Beautiful. Now there will be one last document that I will also ask for your signature if you are happy to do so, and that is just a compliance form to say that we are keeping your tax phone number secure and safe on file. We already have it, so you don't need to provide it, but it is basically just to let you know that. Yep. Perfect. Do you have any questions in regards to any of those documents at this point? No. Perfect. Pretty straightforward. So what I will do, Richard, while I have you on the phone is just to kind of quickly book in a catch up to go over the research that I'll do on your super investments to see if we wanna make any changes. It should be pretty straightforward. It will take me probably about a week, so I can have it done for you by next week. When is a best time for yourself usually? Like, I know, obviously, sometimes it changes with your work, but roughly 08:30? Yep. Beautiful. I could do let me see here. I could do 08:30 either on Wednesday, the second, or Tuesday, August 1. So next Tuesday. Tuesday? Okay. Beautiful. So I will book that in next Tuesday, August 1, which is pretty crazy that it's not already at 08:30. If anything does change and you can't make it, yeah, just let me know. And would you like a reminder text sent, like, 24 hours before? Yep. Beautiful. And did you get the text reminder this time? Okay. Because I know I said it, and I was like, I know you didn't get it time, so I just wanted to make sure. But that is no problem. I will set that up for you, and I will give you a call next Tuesday the first at 08:30. In the meantime, when you have a moment, just have a look through those documents for me. Any questions, let me know. If not, if you're happy to do so, it will just ask for the signature on those two documents. Yep. Beautiful. Do you have any questions for me before I let you go otherwise, Richard? No? Beautiful. Great. Well, I hope the rest of your day is is pretty crazy. Nothing too too bad, and I will speak to you next week. Okay. No worries. 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morning, Richard. It's Veronica from OCU Financial. How are you? Good. How are you?\n\nThat's good. I had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect.\n\nOh, good. If you do have to rush off, though, because I know, obviously, with your work, if you are just let me know. Yeah. And I'll try to make it quick for you. But before I do kind of jump any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yeah. Beautiful. Before I kind of jump into things as well, I do like to start by asking if there is anything specific that you're hoping to get out of the review today or any particular questions you have, or or there's just a bit of a catch up and see where everything's at.\n\nMhmm. Okay. And with time frames, do you know how long until it's all kinda sorted? Okay. Yeah.\n\nOkay. Perfect. And, obviously, getting things refinanced and everything, do you have a good mortgage and stuff that can help you, or do you need help with any of that? Okay. Yeah.\n\nOkay. Perfect. If you do struggle or need assistance, just let us know, and we can always refer you on through someone. Now do you know as part of the settlement if anything is changing with your superannuation? Okay.\n\nOkay. Okay. Great. Yes. Oh, beautiful.\n\nThat's great. That's good. That's good, especially with the kids and stuff as well. That's really good to hear. Alright.\n\nSo I'll update. Yeah. No. That's fine. We can we can leave that be.\n\nNow with the assets, just so I can update. Sorry. The the one that you will keep, is that the the one valued last at about 800,000, like the one that you lived in? Okay. So yep.\n\nSo that will be yours. Now do you know if it's still valid at about 800? Yeah. Yeah. True.\n\nDo you want me to update to $9.50? If he's yep. Okay. Yeah. Perfect.\n\nAnd with the mortgage on that one, I have it at about $5.15. Four 50. Okay. Beautiful. And then the other property, that will then be in your ex wife's name.\n\nIs that correct? That won't be in yours anymore? No. Okay. Perfect.\n\nOtherwise, I have a motor vehicle at about 20,000. Is that that's yours? Yeah. Yeah. Okay.\n\nAnd do you know if you were to repay out the the lease and everything, how much would be left on the car owing? No. That's all good. Just put on sure. Any other assets in your name otherwise?\n\nNo. Okay. Great. So what I'll do is I'll just quickly go through the fact line while we are kind of talking about this to see if there's anything else that's changed, if we need to make any changes to your advice. So just kind of bear with me as I run through this.\n\nNow next up, Ken, I still have Courtney nominated. Would you like to change this? That's fine. Okay. Yeah.\n\nAnd it's just in the event that something happens to you and someone to contact. It doesn't give her any rights on anything. It is just a point of contact. Yep. Perfect.\n\nAnd when it comes to estate planning, I do have here, obviously, your super insurance going through 50% Emma, 50% Lucy. That's still correct? Yep. Beautiful. And employment wise, so, obviously, still a paramedic?\n\nYep. Perfect. So still with Queensland ambulance, still working full time. No changes there. No.\n\nBeautiful. Income, I have at about one fifty. Do you know if that's still the case? Yep. Perfect.\n\nAnd I do have here as well, obviously, salary sacrifice. It's about 245 a fortnight. Does that sound about right with your extra contributions? So the salary sacrificing to save that. Yeah.\n\nPerfect. Great. Otherwise, health and lifestyle, have you had any changes, like any significant health issues, injuries, anything? All good there? Yep.\n\nBeautiful. And do you have a will or power of attorney or anything like that in place? Nope. Alright. That's good.\n\nAnd I guess when it comes to goals, the stuff that you're working towards or that you are wanting to achieve during the under review, it's sometimes good to do a bit of a check-in to see what's changed. Obviously, I imagine that right now, the main focus is obviously with the the settlement and the court and everything and get that all sorted. Aside from that, do you have anything particular that you are working towards that you are wanting to achieve yourself? Mhmm. Yep.\n\nOkay. Perfect. So looking at the the South Manit Superfund route potentially. Yeah. Perfect.\n\nBecause that's kind of they have recently changed with the the budget and everything changes in regards to having properties inside superannuation as well. So the only way that you can have property inside superannuation is through a self managed super fund. What they have changed is that you are no longer so as of the tenth of this month, they changed that that you are no longer able to borrow money inside super inside the self managed super fund for a residential property. So unless you use everything that you have and that covers the property, you yeah. Because it's more so even, like, investment properties and stuff, like, it has to be commercial property if you wanna borrow.\n\nOtherwise yeah. Yes. Exactly. Not to borrow. So if you have enough money in superannuation and you pay for it outright, which obviously most people can't, then they have changed the borrowing arrangement inside superannuation.\n\nSo they have made it quite a lot harder with that. But, you know, it's always something we can assess, see how things go. You never know what rules and stuff changes before it's something we can always keep an keep an eye on and kind of see see what happens down the track. Yeah. Okay.\n\nBeautiful. Otherwise, I have here that you wanna retire ideally at 60 with an income of about a thousand dollars per week if you don't have the mortgage. Yeah. Yeah. Yeah.\n\nAnd if, obviously, if you think of your current situation, if you were to retire, do you think you need a little bit more than a thousand dollars, obviously, with if you have the mortgage and stuff? Yeah. How much would you say? Like, 1,500, 2,000 a week? What yes.\n\nOkay. Okay. Perfect. So that's all good. So, ideally, 60, but you obviously work probably until the mortgage is cleared to give you that a little bit more financial stability.\n\nYeah. Okay. Great. Now, otherwise, when it comes to how your money is invested in superannuation, I'll just kind of quickly go through a couple of questions to see if your risk tolerance has changed in terms of how we actually invest your money in your superannuation. It is all just multiple choice to make it nice and easy, and there is no right or wrong answer.\n\nNow, Richard, have you ever bought direct shares yourself? No. Perfect. And when it comes to how much risk you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Moderate?\n\nYep. That's all good. And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment. And then after six months, it decreased by 20% due to market trends. Would you think that if you had the option to do so, now is good time to put more money in while the prices are down.\n\nWould you be kind of a bit neutral just wanting to kind of hold and wait to see what happens before making any decisions, or would you feel like you would rather sell out and move to something a bit more secure but that means you are then also selling when the prices have dropped. Neutral. Yep. Perfect. And, again, when it comes to fluctuations, if you ever notice fluctuation in any of your investments, including superannuation, would you feel optimistic about future investment opportunities?\n\nAgain, kind of a bit new neutral, optimistic? Yep. Perfect. And the last one comes in regards to borrowing. So would you ever consider taking out a loan to invest in stocks or funds personally?\n\nProbably. Yeah. Okay. Perfect. And now, Richard, that tells me here that you have come out as a high growth investor, which is the portfolio we currently have you invested in.\n\nNow do you remember what it means to be a high growth investor at all? Yeah. So it is it's not like you're aggressive. So that will be, like, your in terms of, like, the different levels we have, we have, like, aggressive plus, which is where you're actually borrowing money to invest, and, obviously, that's the riskiest. And then you have aggressive, and then you have high growth.\n\nSo it is still, you know, quite high in terms of how much you have allocated to your growth investments, which is a combination of Australian shares, international shares, but also property. And these are the ones that's going to give you the most amount of growth, but like you said, also fluctuate the most. So in a high growth portfolio, we have about 90% allocated to this and then about 10% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit, but that's only a smaller portion. Now happy with that. Beautiful.\n\nAnd, also Yeah. And, like, when you are looking at a time frame, so there's a couple of things that obviously comes into play. One of the things we look at is time frame, which is to make sure that you have enough time for these kind of up and down fluctuations. Sorry for that to come back around before retirement. And in a high growth portfolio, we typically would like to see eight years until retirement.\n\nSo you certainly have that behind you. So from a time frame point of view, it's in a good position to kinda grow your super so you have more by retirement as long as you are comfortable seeing, you know, a bit of those short term fluctuations. Yep. Okay. Beautiful.\n\nWe'll we'll leave that as a high growth for now. And, obviously, if anything changes, let us know. And then the closer you do get to retirement, that's where we then gradually start to looking at shifting things a little bit for you. Yeah. Perfect.\n\nNow the next thing, Richard, is just to go through a couple of documents about your super and your insurances and performance on your investments. So do you have access to your emails at the moment, or is it a bit hard? No. That's all good. If you're happy for me to do so, I'll just kind of quickly run through the documents.\n\nAnd then later, I have to send you an email with those attachments. So have a look through them. And if you have any questions, you can always just give me a call. Okay. Beautiful.\n\nNow with the documents, you will see the first one, which is a breakdown of your super and your insurances. Now it does show you your current superannuation with hub twenty four. I did have a quick look at your super balance as of last annual review when we spoke as well just to give you that comparison. And at that time, you had 426,547 in there. And now you have $461,602 in there.\n\nYep. Now with your insurances, you have some insurance with MetLife as well. You have your life and total permanent disability insurance, and that will cover you for 567,000. Now, obviously, with the changes in assets and stuff, are you still happy with the level of cover you have for for life and TPD? Yep.\n\nBeautiful. And if something were to happen, at least they will pay out the mortgage on on the property, leave you a little bit of extra as well to cover any expenses, or, obviously, if something were to happen to you, leaving that to your kids as well. Yep. Beautiful. Now you also have your income protection, and that will cover you for $8,995 per month.\n\nNow you do have a 90 day waiting period and a five year benefit period. Are you still happy with the level of cover you have for your income protection? Yep. Beautiful. Now with the income protection as well sorry.\n\nWith all those three covers, they are paid from within hub twenty four, so you don't pay for those out of pocket. You do get a 15% tax rebate, and total premium is 2,550 for those three. Yep. You also have trauma cover, and that is paying you out a 111,857 if something were to happen. You pay for that out of pocket, and it's about $27.25 per month.\n\nAlso happy with the trauma cover? Yep. Perfect. Now the next document shows you your performance. So, basically, what's happened with your investments in your superannuation over the last twelve months.\n\nSo, obviously, the last twelve months, we have had bit of bit of fluctuations in the market, which I'm sure you've seen on the news and everything that has happened. But in saying that, though, and in the fact that you are in a high growth portfolio, which can see more fluctuations with everything going on in the market, it's still done pretty good. So in the last twelve months, after all fees have been deducted from your account, it's still gone up by 8.68 percent, which we're quite happy with given the the market conditions. So that's good. In terms of a dollar value, so that is just growth on your investments, it's about 44,538.\n\nSo pretty, pretty good still. Now when it comes to your investments, we also want to make sure that we do take a, obviously, proactive approach to your investments. It's something we always research. Because if there is a investment that we foresee, you know, underperforming a little bit or potentially not being the best option moving forward and we think there might be other suitable options, we do obviously want to take that proactive approach. So I can see that there is one investment in your portfolio that I would like to do a little bit more research on and see if we want to look at changing it because it has underperformed a little bit.\n\nThe rest of your investments are doing really well if you are happy for me to do that for you. Yep. Great. Any questions so far, or that's pretty straightforward? No.\n\nPerfect. Now you will also have your certificate of currency for your insurances. Just gives you a little bit more information in regards through them, but basically lets you know that's all paid and up to date. Now you will also have your Oakview services guide. Again, you would have seen this a couple of times before.\n\nIt is one of those compliance documents. It does give you all the important information in regards to us here at Oakview. View. You'll see all the directors, advisers, and everything in there. The one thing I do want to let you know is that we've had a little bit of change when it comes to our fee structure.\n\nSo for you, right now, it's actually turning out a little bit cheaper, which is great. So if you remember that it it used to be a flat fee of 1.65% from superannuation. And now what we are changing to is more of a tiered structure, whereas your super balance grows, it will then gradually get cheaper. That is outlined in that document for you. But just for your reference, it means that from between zero to two hundred thousand, it's the same at 1.65.\n\nThen between 200,000 and 500,000, it's reduced to 1.375%. Then between 500,000 and a million, it's 1.1. And then 1,000,000 to 2,000,000, it's 0.825. So, essentially, it kind of just decreases as your balance grows. Does that make sense?\n\nYep. Okay. Beautiful. So that's all in there for you, but it is also outlined on the ongoing service agreement as well, which is the next document. That one here, it will ask for your signature later if you're happy to do so, and that is just to say that you are happy to stay on as a client.\n\nNow it is not a lock in contract, Richard. So if at any point in time you are not happy, it is not a lock in contract. There's no excess fees or anything like that. But by signing this, otherwise, it just allows us to manage all your investments and your and your insurances and everything for you in the meantime. Does that all make sense?\n\nYep. Beautiful. Now there will be one last document that I will also ask for your signature if you are happy to do so, and that is just a compliance form to say that we are keeping your tax phone number secure and safe on file. We already have it, so you don't need to provide it, but it is basically just to let you know that. Yep.\n\nPerfect. Do you have any questions in regards to any of those documents at this point? No. Perfect. Pretty straightforward.\n\nSo what I will do, Richard, while I have you on the phone is just to kind of quickly book in a catch up to go over the research that I'll do on your super investments to see if we wanna make any changes. It should be pretty straightforward. It will take me probably about a week, so I can have it done for you by next week. When is a best time for yourself usually? Like, I know, obviously, sometimes it changes with your work, but roughly 08:30?\n\nYep. Beautiful. I could do let me see here. I could do 08:30 either on Wednesday, the second, or Tuesday, August 1. So next Tuesday.\n\nTuesday? Okay. Beautiful. So I will book that in next Tuesday, August 1, which is pretty crazy that it's not already at 08:30. If anything does change and you can't make it, yeah, just let me know.\n\nAnd would you like a reminder text sent, like, 24 hours before? Yep. Beautiful. And did you get the text reminder this time? Okay.\n\nBecause I know I said it, and I was like, I know you didn't get it time, so I just wanted to make sure. But that is no problem. I will set that up for you, and I will give you a call next Tuesday the first at 08:30. In the meantime, when you have a moment, just have a look through those documents for me. Any questions, let me know.\n\nIf not, if you're happy to do so, it will just ask for the signature on those two documents. Yep. Beautiful. Do you have any questions for me before I let you go otherwise, Richard? No?\n\nBeautiful. Great. Well, I hope the rest of your day is is pretty crazy. Nothing too too bad, and I will speak to you next week. Okay.\n\nNo worries. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Richard.","start":3.6,"end":4.48,"sentiment":"neutral","sentiment_score":0.3262963791688283},{"text":"It's Veronica from OCU Financial.","start":4.48,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.23427721560001374},{"text":"How are you?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.17144962648550668},{"text":"Good.","start":8.8,"end":9.28,"sentiment":"positive","sentiment_score":0.42123284935951233},{"text":"How are you?","start":9.28,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.27381009856859845}],"sentiment":"neutral","sentiment_score":0.2604858160018921,"num_words":15,"start":3.6,"end":10.0199995},{"sentences":[{"text":"That's good.","start":11.5199995,"end":12.5,"sentiment":"positive","sentiment_score":0.6854403614997864},{"text":"I had you booked in to go over your annual review.","start":12.88,"end":15.315,"sentiment":"positive","sentiment_score":0.3687560341574929},{"text":"Is now still a good time for you?","start":15.315,"end":16.935,"sentiment":"neutral","sentiment_score":0.2809692397713661},{"text":"Yep.","start":18.275,"end":18.775,"sentiment":"neutral","sentiment_score":0.14088991284370422},{"text":"Perfect.","start":19.475,"end":19.975,"sentiment":"positive","sentiment_score":0.4428158700466156}],"sentiment":"positive","sentiment_score":0.35907203477361926,"num_words":23,"start":11.5199995,"end":19.975},{"sentences":[{"text":"Oh, good.","start":22.915,"end":23.395,"sentiment":"neutral","sentiment_score":0.15643718093633652},{"text":"If you do have to rush off, though, because I know, obviously, with your work, if you are just let me know.","start":23.395,"end":29.15,"sentiment":"neutral","sentiment_score":0.018836501985788345},{"text":"Yeah.","start":30.49,"end":30.81,"sentiment":"neutral","sentiment_score":0.06691519916057587},{"text":"And I'll try to make it quick for you.","start":30.81,"end":32.75,"sentiment":"neutral","sentiment_score":0.09357915487554339},{"text":"But before I do kind of jump any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":33.05,"end":41.47,"sentiment":"neutral","sentiment_score":0.020324982640643915}],"sentiment":"neutral","sentiment_score":0.03509616371593438,"num_words":64,"start":22.915,"end":41.47},{"sentences":[{"text":"Perfect.","start":42.915,"end":43.415,"sentiment":"neutral","sentiment_score":0.2990375757217407},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":43.555,"end":52.295,"sentiment":"neutral","sentiment_score":0.09563450082655876},{"text":"Yeah.","start":57.394997,"end":57.894997,"sentiment":"neutral","sentiment_score":0.20504289865493777},{"text":"Beautiful.","start":57.954998,"end":58.454998,"sentiment":"positive","sentiment_score":0.4214588403701782},{"text":"Before I kind of jump into things as well, I do like to start by asking if there is anything specific that you're hoping to get out of the review today or any particular questions you have, or or there's just a bit of a catch up and see where everything's at.","start":59.54,"end":71.485,"sentiment":"neutral","sentiment_score":0.02158779394812882}],"sentiment":"neutral","sentiment_score":0.05828807122875438,"num_words":86,"start":42.915,"end":71.485},{"sentences":[{"text":"Mhmm.","start":78.265,"end":78.765,"sentiment":"neutral","sentiment_score":-0.013487206771969795},{"text":"Okay.","start":88.0,"end":88.5,"sentiment":"neutral","sentiment_score":0.005600661039352417},{"text":"And with time frames, do you know how long until it's all kinda sorted?","start":89.200005,"end":95.78,"sentiment":"neutral","sentiment_score":-0.012138081914080041},{"text":"Okay.","start":98.515,"end":99.015,"sentiment":"neutral","sentiment_score":-0.0147123159840703},{"text":"Yeah.","start":102.835,"end":103.335,"sentiment":"neutral","sentiment_score":0.04606243968009949}],"sentiment":"neutral","sentiment_score":-0.008137198268539377,"num_words":18,"start":78.265,"end":103.335},{"sentences":[{"text":"Okay.","start":103.475,"end":103.875,"sentiment":"neutral","sentiment_score":0.11530709266662598},{"text":"Perfect.","start":103.875,"end":104.375,"sentiment":"neutral","sentiment_score":0.19883018732070923},{"text":"And, obviously, getting things refinanced and everything, do you have a good mortgage and stuff that can help you, or do you need help with any of that?","start":104.995,"end":115.03,"sentiment":"neutral","sentiment_score":0.0971025296353868},{"text":"Okay.","start":118.130005,"end":118.630005,"sentiment":"neutral","sentiment_score":0.060758113861083984},{"text":"Yeah.","start":119.090004,"end":119.49,"sentiment":"neutral","sentiment_score":0.0960240289568901}],"sentiment":"neutral","sentiment_score":0.09968094539362937,"num_words":32,"start":103.475,"end":119.49},{"sentences":[{"text":"Okay.","start":119.49,"end":119.81,"sentiment":"neutral","sentiment_score":0.21719084680080417},{"text":"Perfect.","start":119.81,"end":120.29,"sentiment":"positive","sentiment_score":0.4547070264816284},{"text":"If you do struggle or need assistance, just let us know, and we can always refer you on through someone.","start":120.29,"end":126.005,"sentiment":"neutral","sentiment_score":0.13251419998705388},{"text":"Now do you know as part of the settlement if anything is changing with your superannuation?","start":126.305,"end":131.365,"sentiment":"neutral","sentiment_score":0.003451493743341416},{"text":"Okay.","start":133.505,"end":134.005,"sentiment":"neutral","sentiment_score":-0.009248373098671436}],"sentiment":"neutral","sentiment_score":0.08636301025175132,"num_words":39,"start":119.49,"end":134.005},{"sentences":[{"text":"Okay.","start":137.105,"end":137.505,"sentiment":"neutral","sentiment_score":0.03657074272632599},{"text":"Okay.","start":137.505,"end":137.985,"sentiment":"neutral","sentiment_score":0.061895664781332016},{"text":"Great.","start":137.985,"end":138.485,"sentiment":"neutral","sentiment_score":0.3213370442390442},{"text":"Yes.","start":138.94499,"end":139.44499,"sentiment":"neutral","sentiment_score":0.174910306930542},{"text":"Oh, beautiful.","start":141.4,"end":142.06,"sentiment":"positive","sentiment_score":0.5295879989862442}],"sentiment":"neutral","sentiment_score":0.27564829277495545,"num_words":6,"start":137.105,"end":142.06},{"sentences":[{"text":"That's great.","start":142.2,"end":143.18,"sentiment":"positive","sentiment_score":0.5800411105155945},{"text":"That's good.","start":146.44,"end":147.26,"sentiment":"positive","sentiment_score":0.5734953582286835},{"text":"That's good, especially with the kids and stuff as well.","start":148.59999,"end":151.58,"sentiment":"positive","sentiment_score":0.6519711047410965},{"text":"That's really good to hear.","start":152.14499,"end":153.665,"sentiment":"positive","sentiment_score":0.3989745318889618},{"text":"Alright.","start":153.665,"end":153.905,"sentiment":"neutral","sentiment_score":0.08092407882213593}],"sentiment":"positive","sentiment_score":0.5451290361583233,"num_words":20,"start":142.2,"end":153.905},{"sentences":[{"text":"So I'll update.","start":153.905,"end":154.885,"sentiment":"neutral","sentiment_score":0.02057323418557644},{"text":"Yeah.","start":155.34499,"end":155.84499,"sentiment":"neutral","sentiment_score":-0.006890341639518738},{"text":"No.","start":157.98499,"end":158.22499,"sentiment":"neutral","sentiment_score":-0.0921412706375122},{"text":"That's fine.","start":158.22499,"end":158.965,"sentiment":"neutral","sentiment_score":-0.05037251487374306},{"text":"We can we can leave that be.","start":159.58499,"end":161.28499,"sentiment":"neutral","sentiment_score":-0.015906608796545436}],"sentiment":"neutral","sentiment_score":-0.017814514360257556,"num_words":14,"start":153.905,"end":161.28499},{"sentences":[{"text":"Now with the assets, just so I can update.","start":163.105,"end":165.265,"sentiment":"neutral","sentiment_score":0.015081224342187246},{"text":"Sorry.","start":165.265,"end":165.72,"sentiment":"neutral","sentiment_score":-0.03732668235898018},{"text":"The the one that you will keep, is that the the one valued last at about 800,000, like the one that you lived in?","start":166.2,"end":173.88,"sentiment":"neutral","sentiment_score":-0.011394996758705625},{"text":"Okay.","start":173.88,"end":174.28,"sentiment":"neutral","sentiment_score":0.005765552632510662},{"text":"So yep.","start":174.28,"end":177.08,"sentiment":"neutral","sentiment_score":0.003962340299040079}],"sentiment":"neutral","sentiment_score":-0.004361766277233491,"num_words":37,"start":163.105,"end":177.08},{"sentences":[{"text":"So that will be yours.","start":177.08,"end":178.78,"sentiment":"neutral","sentiment_score":0.01977486051619053},{"text":"Now do you know if it's still valid at about 800?","start":178.92,"end":182.125,"sentiment":"neutral","sentiment_score":-0.0062601383013481445},{"text":"Yeah.","start":197.51999,"end":198.01999,"sentiment":"neutral","sentiment_score":-0.08352185785770416},{"text":"Yeah.","start":202.8,"end":203.2,"sentiment":"neutral","sentiment_score":-0.014938706532120705},{"text":"True.","start":203.2,"end":203.59999,"sentiment":"neutral","sentiment_score":-0.017207611352205276}],"sentiment":"neutral","sentiment_score":-0.004508178656626689,"num_words":19,"start":177.08,"end":203.59999},{"sentences":[{"text":"Do you want me to update to $9.50?","start":203.59999,"end":205.78,"sentiment":"neutral","sentiment_score":-0.017579350562300533},{"text":"If he's yep.","start":208.72,"end":211.335,"sentiment":"neutral","sentiment_score":-0.03415446480115255},{"text":"Okay.","start":213.955,"end":214.455,"sentiment":"neutral","sentiment_score":0.10231730341911316},{"text":"Yeah.","start":214.915,"end":215.315,"sentiment":"neutral","sentiment_score":0.2381947785615921},{"text":"Perfect.","start":215.315,"end":215.815,"sentiment":"positive","sentiment_score":0.5039551854133606}],"sentiment":"neutral","sentiment_score":0.042954933463728855,"num_words":14,"start":203.59999,"end":215.815},{"sentences":[{"text":"And with the mortgage on that one, I have it at about $5.15.","start":216.515,"end":220.535,"sentiment":"neutral","sentiment_score":0.20267646587811983},{"text":"Four 50.","start":223.795,"end":224.61,"sentiment":"neutral","sentiment_score":0.03869307599961758},{"text":"Okay.","start":227.89,"end":228.29,"sentiment":"neutral","sentiment_score":0.2949954867362976},{"text":"Beautiful.","start":228.29,"end":228.79,"sentiment":"positive","sentiment_score":0.604477047920227},{"text":"And then the other property, that will then be in your ex wife's name.","start":229.33,"end":234.29,"sentiment":"neutral","sentiment_score":0.096124816685915}],"sentiment":"neutral","sentiment_score":0.15991613473142346,"num_words":31,"start":216.515,"end":234.29},{"sentences":[{"text":"Is that correct?","start":234.29,"end":234.93,"sentiment":"neutral","sentiment_score":0.056177748988072075},{"text":"That won't be in yours anymore?","start":234.93,"end":236.55,"sentiment":"neutral","sentiment_score":-0.02375714061781764},{"text":"No.","start":237.97,"end":238.37,"sentiment":"neutral","sentiment_score":-0.04433390498161316},{"text":"Okay.","start":238.37,"end":238.85,"sentiment":"neutral","sentiment_score":0.008049270138144493},{"text":"Perfect.","start":238.85,"end":239.35,"sentiment":"neutral","sentiment_score":0.15998780727386477}],"sentiment":"neutral","sentiment_score":0.012474464640642209,"num_words":12,"start":234.29,"end":239.35},{"sentences":[{"text":"Otherwise, I have a motor vehicle at about 20,000.","start":240.72499,"end":243.765,"sentiment":"neutral","sentiment_score":0.021355049063762028},{"text":"Is that that's yours?","start":243.765,"end":245.145,"sentiment":"neutral","sentiment_score":0.02618194534443319},{"text":"Yeah.","start":247.36499,"end":247.86499,"sentiment":"neutral","sentiment_score":-0.021984435617923737},{"text":"Yeah.","start":250.165,"end":250.565,"sentiment":"neutral","sentiment_score":-0.0009433189406991004},{"text":"Okay.","start":250.565,"end":251.065,"sentiment":"neutral","sentiment_score":-0.00004098191857337952}],"sentiment":"neutral","sentiment_score":0.017122155404649675,"num_words":16,"start":240.72499,"end":251.065},{"sentences":[{"text":"And do you know if you were to repay out the the lease and everything, how much would be left on the car owing?","start":251.44499,"end":260.24002,"sentiment":"neutral","sentiment_score":-0.020636799396015704},{"text":"No.","start":267.9,"end":268.14,"sentiment":"neutral","sentiment_score":-0.14333480596542358},{"text":"That's all good.","start":268.14,"end":269.325,"sentiment":"neutral","sentiment_score":-0.22427010039488474},{"text":"Just put on sure.","start":269.885,"end":271.185,"sentiment":"neutral","sentiment_score":-0.03147172322496772},{"text":"Any other assets in your name otherwise?","start":271.48502,"end":274.625,"sentiment":"neutral","sentiment_score":-0.03794500178524426}],"sentiment":"neutral","sentiment_score":-0.04366487687310347,"num_words":39,"start":251.44499,"end":274.625},{"sentences":[{"text":"No.","start":276.285,"end":276.605,"sentiment":"neutral","sentiment_score":-0.041545938700437546},{"text":"Okay.","start":276.605,"end":277.005,"sentiment":"neutral","sentiment_score":0.06543564796447754},{"text":"Great.","start":277.005,"end":277.505,"sentiment":"neutral","sentiment_score":0.26998400688171387},{"text":"So what I'll do is I'll just quickly go through the fact line while we are kind of talking about this to see if there's anything else that's changed, if we need to make any changes to your advice.","start":278.765,"end":286.91998,"sentiment":"neutral","sentiment_score":0.15836775513031545},{"text":"So just kind of bear with me as I run through this.","start":287.46,"end":290.43997,"sentiment":"neutral","sentiment_score":0.09406266361474991}],"sentiment":"neutral","sentiment_score":0.14072163202972324,"num_words":54,"start":276.285,"end":290.43997},{"sentences":[{"text":"Now next up, Ken, I still have Courtney nominated.","start":291.37997,"end":294.59998,"sentiment":"neutral","sentiment_score":0.06654935412936741},{"text":"Would you like to change this?","start":294.74,"end":296.59998,"sentiment":"neutral","sentiment_score":0.02425482962280512},{"text":"That's fine.","start":296.97998,"end":297.69998,"sentiment":"neutral","sentiment_score":0.15872175246477127},{"text":"Okay.","start":297.69998,"end":298.02,"sentiment":"neutral","sentiment_score":0.09030421078205109},{"text":"Yeah.","start":298.02,"end":298.25998,"sentiment":"neutral","sentiment_score":0.08783126622438431}],"sentiment":"neutral","sentiment_score":0.06526590246511133,"num_words":19,"start":291.37997,"end":298.25998},{"sentences":[{"text":"And it's just in the event that something happens to you and someone to contact.","start":298.25998,"end":302.845,"sentiment":"neutral","sentiment_score":0.030422083909312884},{"text":"It doesn't give her any rights on anything.","start":302.845,"end":306.045,"sentiment":"neutral","sentiment_score":-0.05692395614460111},{"text":"It is just a point of contact.","start":306.045,"end":307.665,"sentiment":"neutral","sentiment_score":0.007487024579729352},{"text":"Yep.","start":308.685,"end":309.165,"sentiment":"neutral","sentiment_score":0.23423609137535095},{"text":"Perfect.","start":309.165,"end":309.665,"sentiment":"positive","sentiment_score":0.628035306930542}],"sentiment":"neutral","sentiment_score":0.028613130620215088,"num_words":32,"start":298.25998,"end":309.665},{"sentences":[{"text":"And when it comes to estate planning, I do have here, obviously, your super insurance going through 50% Emma, 50% Lucy.","start":310.045,"end":318.75,"sentiment":"neutral","sentiment_score":0.15286557802132197},{"text":"That's still correct?","start":318.81,"end":319.87,"sentiment":"neutral","sentiment_score":0.08479833354552586},{"text":"Yep.","start":321.05,"end":321.55,"sentiment":"neutral","sentiment_score":0.10565690696239471},{"text":"Beautiful.","start":321.69,"end":322.19,"sentiment":"positive","sentiment_score":0.5017035007476807},{"text":"And employment wise, so, obviously, still a paramedic?","start":323.93,"end":326.99,"sentiment":"neutral","sentiment_score":0.11378705408424139}],"sentiment":"neutral","sentiment_score":0.14653614645495133,"num_words":34,"start":310.045,"end":326.99},{"sentences":[{"text":"Yep.","start":328.33,"end":328.72998,"sentiment":"neutral","sentiment_score":0.07069921493530273},{"text":"Perfect.","start":328.72998,"end":329.22998,"sentiment":"neutral","sentiment_score":0.26154881715774536},{"text":"So still with Queensland ambulance, still working full time.","start":329.28998,"end":333.425,"sentiment":"neutral","sentiment_score":0.07094594008392757},{"text":"No changes there.","start":333.425,"end":334.645,"sentiment":"neutral","sentiment_score":0.008486988643805185},{"text":"No.","start":335.905,"end":336.145,"sentiment":"neutral","sentiment_score":0.060429394245147705}],"sentiment":"neutral","sentiment_score":0.07044345686833063,"num_words":15,"start":328.33,"end":336.145},{"sentences":[{"text":"Beautiful.","start":336.145,"end":336.645,"sentiment":"neutral","sentiment_score":0.26346859335899353},{"text":"Income, I have at about one fifty.","start":336.94498,"end":339.125,"sentiment":"neutral","sentiment_score":0.0409397187509707},{"text":"Do you know if that's still the case?","start":339.50497,"end":341.44498,"sentiment":"neutral","sentiment_score":0.0004771794192492962},{"text":"Yep.","start":341.905,"end":342.38498,"sentiment":"neutral","sentiment_score":0.04233825206756592},{"text":"Perfect.","start":342.38498,"end":342.88498,"sentiment":"neutral","sentiment_score":0.2808384895324707}],"sentiment":"neutral","sentiment_score":0.04872448897610108,"num_words":18,"start":336.145,"end":342.88498},{"sentences":[{"text":"And I do have here as well, obviously, salary sacrifice.","start":344.16,"end":347.86,"sentiment":"neutral","sentiment_score":0.05381380505859852},{"text":"It's about 245 a fortnight.","start":348.16,"end":350.82,"sentiment":"neutral","sentiment_score":0.020802701264619826},{"text":"Does that sound about right with your extra contributions?","start":351.68,"end":357.3,"sentiment":"neutral","sentiment_score":-0.010612984084420733},{"text":"So the salary sacrificing to save that.","start":357.63498,"end":360.275,"sentiment":"neutral","sentiment_score":-0.016596753549362932},{"text":"Yeah.","start":360.275,"end":360.675,"sentiment":"neutral","sentiment_score":0.04142799228429794}],"sentiment":"neutral","sentiment_score":0.014746419299626723,"num_words":32,"start":344.16,"end":360.675},{"sentences":[{"text":"Perfect.","start":360.675,"end":361.175,"sentiment":"neutral","sentiment_score":0.2665458619594574},{"text":"Great.","start":363.79498,"end":364.195,"sentiment":"neutral","sentiment_score":0.3106641173362732},{"text":"Otherwise, health and lifestyle, have you had any changes, like any significant health issues, injuries, anything?","start":364.195,"end":370.68002,"sentiment":"neutral","sentiment_score":-0.013266888272482902},{"text":"All good there?","start":370.68002,"end":371.82,"sentiment":"neutral","sentiment_score":0.045180872082710266},{"text":"Yep.","start":372.76,"end":373.16,"sentiment":"neutral","sentiment_score":0.0464911088347435}],"sentiment":"neutral","sentiment_score":0.024862431455403566,"num_words":22,"start":360.675,"end":373.16},{"sentences":[{"text":"Beautiful.","start":373.16,"end":373.66,"sentiment":"neutral","sentiment_score":0.1822805553674698},{"text":"And do you have a will or power of attorney or anything like that in place?","start":373.72,"end":377.26,"sentiment":"neutral","sentiment_score":0.000803024740889668},{"text":"Nope.","start":377.80002,"end":378.30002,"sentiment":"neutral","sentiment_score":-0.03689625859260559},{"text":"Alright.","start":378.52002,"end":378.84003,"sentiment":"neutral","sentiment_score":0.10480821132659912},{"text":"That's good.","start":378.84003,"end":379.90002,"sentiment":"neutral","sentiment_score":0.2474430799484253}],"sentiment":"neutral","sentiment_score":0.036091764945359456,"num_words":21,"start":373.16,"end":379.90002},{"sentences":[{"text":"And I guess when it comes to goals, the stuff that you're working towards or that you are wanting to achieve during the under review, it's sometimes good to do a bit of a check-in to see what's changed.","start":380.76,"end":389.645,"sentiment":"neutral","sentiment_score":0.07092315493485866},{"text":"Obviously, I imagine that right now, the main focus is obviously with the the settlement and the court and everything and get that all sorted.","start":390.025,"end":397.405,"sentiment":"neutral","sentiment_score":0.033838523104786876},{"text":"Aside from that, do you have anything particular that you are working towards that you are wanting to achieve yourself?","start":399.065,"end":404.84998,"sentiment":"neutral","sentiment_score":0.046053539775311944},{"text":"Mhmm.","start":413.15,"end":413.65,"sentiment":"neutral","sentiment_score":0.006651905365288258},{"text":"Yep.","start":418.905,"end":419.405,"sentiment":"neutral","sentiment_score":0.06823168694972992}],"sentiment":"neutral","sentiment_score":0.05358047102209787,"num_words":86,"start":380.76,"end":419.405},{"sentences":[{"text":"Okay.","start":419.545,"end":419.865,"sentiment":"neutral","sentiment_score":0.1282760500907898},{"text":"Perfect.","start":419.865,"end":420.365,"sentiment":"neutral","sentiment_score":0.09623122215270996},{"text":"So looking at the the South Manit Superfund route potentially.","start":420.425,"end":424.845,"sentiment":"neutral","sentiment_score":0.013185275159776211},{"text":"Yeah.","start":431.01,"end":431.41,"sentiment":"neutral","sentiment_score":0.27446702122688293},{"text":"Perfect.","start":431.41,"end":431.81,"sentiment":"positive","sentiment_score":0.6096370220184326}],"sentiment":"neutral","sentiment_score":0.08860457622046981,"num_words":14,"start":419.545,"end":431.81},{"sentences":[{"text":"Because that's kind of they have recently changed with the the budget and everything changes in regards to having properties inside superannuation as well.","start":431.81,"end":440.61,"sentiment":"neutral","sentiment_score":0.1031430462996165},{"text":"So the only way that you can have property inside superannuation is through a self managed super fund.","start":440.61,"end":446.435,"sentiment":"neutral","sentiment_score":0.0445461952024036},{"text":"What they have changed is that you are no longer so as of the tenth of this month, they changed that that you are no longer able to borrow money inside super inside the self managed super fund for a residential property.","start":446.97498,"end":463.61,"sentiment":"neutral","sentiment_score":-0.06482957214826629},{"text":"So unless you use everything that you have and that covers the property, you yeah.","start":464.07,"end":472.31,"sentiment":"neutral","sentiment_score":-0.055866437902053194},{"text":"Because it's more so even, like, investment properties and stuff, like, it has to be commercial property if you wanna borrow.","start":472.31,"end":478.885,"sentiment":"neutral","sentiment_score":-0.052575149351642245}],"sentiment":"neutral","sentiment_score":-0.011563767585903406,"num_words":120,"start":431.81,"end":478.885},{"sentences":[{"text":"Otherwise yeah.","start":479.665,"end":481.845,"sentiment":"neutral","sentiment_score":-0.02770870365202427},{"text":"Yes.","start":483.42502,"end":483.92502,"sentiment":"neutral","sentiment_score":-0.008230330422520638},{"text":"Exactly.","start":484.385,"end":484.885,"sentiment":"neutral","sentiment_score":-0.024188049137592316},{"text":"Not to borrow.","start":488.625,"end":490.005,"sentiment":"neutral","sentiment_score":-0.10957364241282146},{"text":"So if you have enough money in superannuation and you pay for it outright, which obviously most people can't, then they have changed the borrowing arrangement inside superannuation.","start":490.05,"end":501.34998,"sentiment":"neutral","sentiment_score":-0.09198422583618335}],"sentiment":"neutral","sentiment_score":-0.08548900107187885,"num_words":35,"start":479.665,"end":501.34998},{"sentences":[{"text":"So they have made it quite a lot harder with that.","start":502.51498,"end":507.495,"sentiment":"neutral","sentiment_score":-0.18618259172547946},{"text":"But, you know, it's always something we can assess, see how things go.","start":507.555,"end":512.035,"sentiment":"neutral","sentiment_score":-0.042493378600248925},{"text":"You never know what rules and stuff changes before it's something we can always keep an keep an eye on and kind of see see what happens down the track.","start":512.035,"end":520.95996,"sentiment":"neutral","sentiment_score":-0.02050085406129559},{"text":"Yeah.","start":522.06,"end":522.38,"sentiment":"neutral","sentiment_score":0.09061740338802338},{"text":"Okay.","start":522.38,"end":522.7,"sentiment":"neutral","sentiment_score":0.18964669108390808}],"sentiment":"neutral","sentiment_score":-0.05241399925268654,"num_words":56,"start":502.51498,"end":522.7},{"sentences":[{"text":"Beautiful.","start":522.7,"end":523.2,"sentiment":"neutral","sentiment_score":0.33001595735549927},{"text":"Otherwise, I have here that you wanna retire ideally at 60 with an income of about a thousand dollars per week if you don't have the mortgage.","start":523.66,"end":532.895,"sentiment":"neutral","sentiment_score":0.04897990560641995},{"text":"Yeah.","start":535.435,"end":535.935,"sentiment":"neutral","sentiment_score":0.05092103034257889},{"text":"Yeah.","start":539.275,"end":539.775,"sentiment":"neutral","sentiment_score":0.01748981885612011},{"text":"Yeah.","start":540.075,"end":540.575,"sentiment":"neutral","sentiment_score":0.003852453548461199}],"sentiment":"neutral","sentiment_score":0.05563666811212897,"num_words":31,"start":522.7,"end":540.575},{"sentences":[{"text":"And if, obviously, if you think of your current situation, if you were to retire, do you think you need a little bit more than a thousand dollars, obviously, with if you have the mortgage and stuff?","start":541.995,"end":554.08997,"sentiment":"neutral","sentiment_score":-0.042468294350279344},{"text":"Yeah.","start":556.31,"end":556.81,"sentiment":"neutral","sentiment_score":-0.0838446170091629},{"text":"How much would you say?","start":556.87,"end":557.91,"sentiment":"neutral","sentiment_score":-0.041492097079753876},{"text":"Like, 1,500, 2,000 a week?","start":557.91,"end":560.105,"sentiment":"neutral","sentiment_score":-0.04629261493682861},{"text":"What yes.","start":560.105,"end":563.245,"sentiment":"neutral","sentiment_score":-0.07905507832765579}],"sentiment":"neutral","sentiment_score":-0.045044104494154455,"num_words":50,"start":541.995,"end":563.245},{"sentences":[{"text":"Okay.","start":565.385,"end":565.865,"sentiment":"neutral","sentiment_score":0.04508315771818161},{"text":"Okay.","start":565.865,"end":566.265,"sentiment":"neutral","sentiment_score":0.10024751722812653},{"text":"Perfect.","start":566.265,"end":566.765,"sentiment":"neutral","sentiment_score":0.31612706184387207},{"text":"So that's all good.","start":567.545,"end":568.745,"sentiment":"positive","sentiment_score":0.3501662611961365},{"text":"So, ideally, 60, but you obviously work probably until the mortgage is cleared to give you that a little bit more financial stability.","start":568.745,"end":576.05,"sentiment":"neutral","sentiment_score":0.1398994346027789}],"sentiment":"neutral","sentiment_score":0.16932699258128803,"num_words":30,"start":565.385,"end":576.05},{"sentences":[{"text":"Yeah.","start":577.55,"end":577.94995,"sentiment":"neutral","sentiment_score":0.08411519974470139},{"text":"Okay.","start":577.94995,"end":578.26996,"sentiment":"neutral","sentiment_score":0.17128793895244598},{"text":"Great.","start":578.26996,"end":578.76996,"sentiment":"positive","sentiment_score":0.40769970417022705},{"text":"Now, otherwise, when it comes to how your money is invested in superannuation, I'll just kind of quickly go through a couple of questions to see if your risk tolerance has changed in terms of how we actually invest your money in your superannuation.","start":579.38995,"end":592.585,"sentiment":"neutral","sentiment_score":0.12539988637647845},{"text":"It is all just multiple choice to make it nice and easy, and there is no right or wrong answer.","start":594.085,"end":600.92,"sentiment":"neutral","sentiment_score":0.2552473671734333}],"sentiment":"neutral","sentiment_score":0.1684424654761357,"num_words":67,"start":577.55,"end":600.92},{"sentences":[{"text":"Now, Richard, have you ever bought direct shares yourself?","start":600.92,"end":603.98,"sentiment":"neutral","sentiment_score":0.018160179464353457},{"text":"No.","start":605.95996,"end":606.45996,"sentiment":"neutral","sentiment_score":-0.052201274782419205},{"text":"Perfect.","start":606.68,"end":607.18,"sentiment":"neutral","sentiment_score":0.07592606544494629},{"text":"And when it comes to how much risk you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":608.04,"end":623.365,"sentiment":"neutral","sentiment_score":-0.02931120195903648},{"text":"Moderate?","start":628.24,"end":628.74,"sentiment":"neutral","sentiment_score":-0.029249265789985657}],"sentiment":"neutral","sentiment_score":-0.019318034046092163,"num_words":51,"start":600.92,"end":628.74},{"sentences":[{"text":"Yep.","start":629.28,"end":629.78,"sentiment":"neutral","sentiment_score":0.07931653410196304},{"text":"That's all good.","start":630.0,"end":631.62,"sentiment":"neutral","sentiment_score":0.32377631465593976},{"text":"And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment.","start":632.08,"end":640.57495,"sentiment":"neutral","sentiment_score":0.002401002123951912},{"text":"And then after six months, it decreased by 20% due to market trends.","start":641.27496,"end":647.535,"sentiment":"neutral","sentiment_score":-0.09018034688555278},{"text":"Would you think that if you had the option to do so, now is good time to put more money in while the prices are down.","start":648.475,"end":654.58997,"sentiment":"neutral","sentiment_score":0.04394277786979309}],"sentiment":"neutral","sentiment_score":0.01696560691509928,"num_words":63,"start":629.28,"end":654.58997},{"sentences":[{"text":"Would you be kind of a bit neutral just wanting to kind of hold and wait to see what happens before making any decisions, or would you feel like you would rather sell out and move to something a bit more secure but that means you are then also selling when the prices have dropped.","start":654.64996,"end":669.40497,"sentiment":"neutral","sentiment_score":-0.06642412265593356},{"text":"Neutral.","start":672.985,"end":673.485,"sentiment":"neutral","sentiment_score":0.045091383159160614},{"text":"Yep.","start":673.545,"end":673.94495,"sentiment":"neutral","sentiment_score":0.20866715908050537},{"text":"Perfect.","start":673.94495,"end":674.44495,"sentiment":"positive","sentiment_score":0.5479038953781128},{"text":"And, again, when it comes to fluctuations, if you ever notice fluctuation in any of your investments, including superannuation, would you feel optimistic about future investment opportunities?","start":677.70496,"end":690.76996,"sentiment":"neutral","sentiment_score":0.1908698868420389}],"sentiment":"neutral","sentiment_score":0.0270802663091351,"num_words":85,"start":654.64996,"end":690.76996},{"sentences":[{"text":"Again, kind of a bit new neutral, optimistic?","start":691.47,"end":694.14496,"sentiment":"neutral","sentiment_score":0.13126234989613295},{"text":"Yep.","start":695.64496,"end":696.14496,"sentiment":"positive","sentiment_score":0.34087762236595154},{"text":"Perfect.","start":696.76495,"end":697.26495,"sentiment":"positive","sentiment_score":0.4515767693519592},{"text":"And the last one comes in regards to borrowing.","start":697.485,"end":700.225,"sentiment":"neutral","sentiment_score":0.09186330437660217},{"text":"So would you ever consider taking out a loan to invest in stocks or funds personally?","start":700.605,"end":705.71,"sentiment":"neutral","sentiment_score":0.06085567036643624}],"sentiment":"neutral","sentiment_score":0.10408610446112497,"num_words":35,"start":691.47,"end":705.71},{"sentences":[{"text":"Probably.","start":708.57,"end":709.05005,"sentiment":"neutral","sentiment_score":0.050981905311346054},{"text":"Yeah.","start":709.05005,"end":709.37,"sentiment":"neutral","sentiment_score":0.0828118622303009},{"text":"Okay.","start":709.37,"end":709.77,"sentiment":"neutral","sentiment_score":0.15750154852867126},{"text":"Perfect.","start":709.77,"end":710.27,"sentiment":"neutral","sentiment_score":0.27613162994384766},{"text":"And now, Richard, that tells me here that you have come out as a high growth investor, which is the portfolio we currently have you invested in.","start":711.69,"end":720.685,"sentiment":"neutral","sentiment_score":0.13415345991099323}],"sentiment":"neutral","sentiment_score":0.13514743108422525,"num_words":31,"start":708.57,"end":720.685},{"sentences":[{"text":"Now do you remember what it means to be a high growth investor at all?","start":721.14496,"end":725.32495,"sentiment":"neutral","sentiment_score":0.027740183100104333},{"text":"Yeah.","start":731.94495,"end":732.425,"sentiment":"neutral","sentiment_score":-0.004924781620502472},{"text":"So it is it's not like you're aggressive.","start":732.425,"end":735.24005,"sentiment":"neutral","sentiment_score":-0.0108306051697582},{"text":"So that will be, like, your in terms of, like, the different levels we have, we have, like, aggressive plus, which is where you're actually borrowing money to invest, and, obviously, that's the riskiest.","start":735.54004,"end":744.42004,"sentiment":"neutral","sentiment_score":0.001678968670175356},{"text":"And then you have aggressive, and then you have high growth.","start":744.42004,"end":747.22504,"sentiment":"neutral","sentiment_score":0.027017588811841877}],"sentiment":"neutral","sentiment_score":0.009837848336800285,"num_words":69,"start":721.14496,"end":747.22504},{"sentences":[{"text":"So it is still, you know, quite high in terms of how much you have allocated to your growth investments, which is a combination of Australian shares, international shares, but also property.","start":747.525,"end":760.92,"sentiment":"neutral","sentiment_score":0.0769193695159629},{"text":"And these are the ones that's going to give you the most amount of growth, but like you said, also fluctuate the most.","start":761.72,"end":767.32,"sentiment":"neutral","sentiment_score":0.059251344884219376},{"text":"So in a high growth portfolio, we have about 90% allocated to this and then about 10% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit, but that's only a smaller portion.","start":767.32,"end":782.145,"sentiment":"neutral","sentiment_score":0.031854500209814625},{"text":"Now happy with that.","start":783.005,"end":784.765,"sentiment":"neutral","sentiment_score":0.3130115754902363},{"text":"Beautiful.","start":784.765,"end":785.265,"sentiment":"positive","sentiment_score":0.4774623513221741}],"sentiment":"neutral","sentiment_score":0.06902224916432585,"num_words":98,"start":747.525,"end":785.265},{"sentences":[{"text":"And, also Yeah.","start":785.485,"end":787.02496,"sentiment":"neutral","sentiment_score":0.04565239138901234},{"text":"And, like, when you are looking at a time frame, so there's a couple of things that obviously comes into play.","start":787.085,"end":792.13,"sentiment":"neutral","sentiment_score":0.029517282288344132},{"text":"One of the things we look at is time frame, which is to make sure that you have enough time for these kind of up and down fluctuations.","start":792.13,"end":798.71,"sentiment":"neutral","sentiment_score":-0.01357409727227475},{"text":"Sorry for that to come back around before retirement.","start":799.09,"end":801.51,"sentiment":"neutral","sentiment_score":-0.028762747223178547},{"text":"And in a high growth portfolio, we typically would like to see eight years until retirement.","start":802.255,"end":808.51495,"sentiment":"neutral","sentiment_score":0.09341700794175267}],"sentiment":"neutral","sentiment_score":0.020942243904649438,"num_words":77,"start":785.485,"end":808.51495},{"sentences":[{"text":"So you certainly have that behind you.","start":808.815,"end":810.735,"sentiment":"neutral","sentiment_score":0.12990236175911768},{"text":"So from a time frame point of view, it's in a good position to kinda grow your super so you have more by retirement as long as you are comfortable seeing, you know, a bit of those short term fluctuations.","start":810.735,"end":822.12994,"sentiment":"neutral","sentiment_score":0.28489224836230276},{"text":"Yep.","start":823.94995,"end":824.26996,"sentiment":"neutral","sentiment_score":0.15444867312908173},{"text":"Okay.","start":824.26996,"end":824.58997,"sentiment":"neutral","sentiment_score":0.22695186734199524},{"text":"Beautiful.","start":824.58997,"end":825.08997,"sentiment":"positive","sentiment_score":0.711285412311554}],"sentiment":"neutral","sentiment_score":0.26795384839177133,"num_words":50,"start":808.815,"end":825.08997},{"sentences":[{"text":"We'll we'll leave that as a high growth for now.","start":825.14996,"end":827.87,"sentiment":"positive","sentiment_score":0.45596764981746674},{"text":"And, obviously, if anything changes, let us know.","start":827.87,"end":830.02997,"sentiment":"neutral","sentiment_score":0.20484187826514244},{"text":"And then the closer you do get to retirement, that's where we then gradually start to looking at shifting things a little bit for you.","start":830.02997,"end":837.745,"sentiment":"neutral","sentiment_score":0.17575897186994552},{"text":"Yeah.","start":838.605,"end":839.00494,"sentiment":"neutral","sentiment_score":0.3275899291038513},{"text":"Perfect.","start":839.00494,"end":839.50494,"sentiment":"positive","sentiment_score":0.4771609902381897}],"sentiment":"neutral","sentiment_score":0.2532697053419219,"num_words":45,"start":825.14996,"end":839.50494},{"sentences":[{"text":"Now the next thing, Richard, is just to go through a couple of documents about your super and your insurances and performance on your investments.","start":839.805,"end":847.425,"sentiment":"neutral","sentiment_score":0.10209318339824676},{"text":"So do you have access to your emails at the moment, or is it a bit hard?","start":848.13995,"end":853.44,"sentiment":"neutral","sentiment_score":0.0027016699861954242},{"text":"No.","start":853.98,"end":854.3,"sentiment":"neutral","sentiment_score":-0.048569146543741226},{"text":"That's all good.","start":854.3,"end":855.36,"sentiment":"neutral","sentiment_score":0.07374564309914906},{"text":"If you're happy for me to do so, I'll just kind of quickly run through the documents.","start":855.5,"end":859.19995,"sentiment":"neutral","sentiment_score":0.14817395368043115}],"sentiment":"neutral","sentiment_score":0.08396639634988137,"num_words":63,"start":839.805,"end":859.19995},{"sentences":[{"text":"And then later, I have to send you an email with those attachments.","start":859.26,"end":863.345,"sentiment":"neutral","sentiment_score":0.08149392558978154},{"text":"So have a look through them.","start":863.565,"end":864.605,"sentiment":"neutral","sentiment_score":0.10482132434844971},{"text":"And if you have any questions, you can always just give me a call.","start":864.605,"end":868.205,"sentiment":"neutral","sentiment_score":0.07171844504773617},{"text":"Okay.","start":868.205,"end":868.525,"sentiment":"neutral","sentiment_score":0.269555926322937},{"text":"Beautiful.","start":868.525,"end":869.025,"sentiment":"positive","sentiment_score":0.4355168342590332}],"sentiment":"neutral","sentiment_score":0.09707085628594671,"num_words":35,"start":859.26,"end":869.025},{"sentences":[{"text":"Now with the documents, you will see the first one, which is a breakdown of your super and your insurances.","start":869.805,"end":877.30005,"sentiment":"neutral","sentiment_score":0.15870957225561141},{"text":"Now it does show you your current superannuation with hub twenty four.","start":878.4,"end":882.88,"sentiment":"neutral","sentiment_score":0.10938041719297568},{"text":"I did have a quick look at your super balance as of last annual review when we spoke as well just to give you that comparison.","start":882.88,"end":888.98004,"sentiment":"neutral","sentiment_score":0.1407797858119011},{"text":"And at that time, you had 426,547 in there.","start":890.16003,"end":897.165,"sentiment":"neutral","sentiment_score":0.055639884538120694},{"text":"And now you have $461,602 in there.","start":897.865,"end":904.445,"sentiment":"neutral","sentiment_score":0.08996360642569405}],"sentiment":"neutral","sentiment_score":0.12537209578865283,"num_words":74,"start":869.805,"end":904.445},{"sentences":[{"text":"Yep.","start":905.705,"end":906.205,"sentiment":"neutral","sentiment_score":0.030489632859826088},{"text":"Now with your insurances, you have some insurance with MetLife as well.","start":906.65,"end":912.03,"sentiment":"neutral","sentiment_score":0.08600135520100594},{"text":"You have your life and total permanent disability insurance, and that will cover you for 567,000.","start":912.09,"end":919.95,"sentiment":"neutral","sentiment_score":0.07009930652566254},{"text":"Now, obviously, with the changes in assets and stuff, are you still happy with the level of cover you have for for life and TPD?","start":920.57,"end":928.475,"sentiment":"neutral","sentiment_score":0.06713732987642289},{"text":"Yep.","start":928.695,"end":929.015,"sentiment":"neutral","sentiment_score":0.09359699487686156}],"sentiment":"neutral","sentiment_score":0.0719295462085442,"num_words":55,"start":905.705,"end":929.015},{"sentences":[{"text":"Beautiful.","start":929.015,"end":929.515,"sentiment":"positive","sentiment_score":0.6374039649963379},{"text":"And if something were to happen, at least they will pay out the mortgage on on the property, leave you a little bit of extra as well to cover any expenses, or, obviously, if something were to happen to you, leaving that to your kids as well.","start":930.055,"end":943.46,"sentiment":"neutral","sentiment_score":0.0642747488665454},{"text":"Yep.","start":943.46,"end":943.78,"sentiment":"neutral","sentiment_score":0.18792103230953217},{"text":"Beautiful.","start":943.78,"end":944.28,"sentiment":"positive","sentiment_score":0.5421610474586487},{"text":"Now you also have your income protection, and that will cover you for $8,995 per month.","start":945.14,"end":953.13495,"sentiment":"neutral","sentiment_score":0.1414403971284628}],"sentiment":"neutral","sentiment_score":0.10077947872041752,"num_words":66,"start":929.015,"end":953.13495},{"sentences":[{"text":"Now you do have a 90 day waiting period and a five year benefit period.","start":953.355,"end":959.615,"sentiment":"neutral","sentiment_score":0.04993888686100642},{"text":"Are you still happy with the level of cover you have for your income protection?","start":959.675,"end":963.375,"sentiment":"neutral","sentiment_score":0.1051305818061034},{"text":"Yep.","start":963.75494,"end":964.07495,"sentiment":"neutral","sentiment_score":0.07818838208913803},{"text":"Beautiful.","start":964.07495,"end":964.56,"sentiment":"positive","sentiment_score":0.4976847767829895},{"text":"Now with the income protection as well sorry.","start":966.16,"end":969.68,"sentiment":"neutral","sentiment_score":0.15078157279640436}],"sentiment":"neutral","sentiment_score":0.10270419428125024,"num_words":40,"start":953.355,"end":969.68},{"sentences":[{"text":"With all those three covers, they are paid from within hub twenty four, so you don't pay for those out of pocket.","start":969.68,"end":975.14,"sentiment":"neutral","sentiment_score":0.07065126757052811},{"text":"You do get a 15% tax rebate, and total premium is 2,550 for those three.","start":975.76,"end":982.46497,"sentiment":"neutral","sentiment_score":0.22543905278046925},{"text":"Yep.","start":983.805,"end":984.305,"sentiment":"neutral","sentiment_score":0.09987084567546844},{"text":"You also have trauma cover, and that is paying you out a 111,857 if something were to happen.","start":984.605,"end":993.56,"sentiment":"neutral","sentiment_score":0.11699340264830324},{"text":"You pay for that out of pocket, and it's about $27.25 per month.","start":993.94,"end":998.6,"sentiment":"neutral","sentiment_score":0.09935649484395981}],"sentiment":"neutral","sentiment_score":0.12222174209529076,"num_words":69,"start":969.68,"end":998.6},{"sentences":[{"text":"Also happy with the trauma cover?","start":998.74,"end":1000.51996,"sentiment":"neutral","sentiment_score":0.17459785317381224},{"text":"Yep.","start":1001.62,"end":1002.1,"sentiment":"neutral","sentiment_score":0.1792735904455185},{"text":"Perfect.","start":1002.1,"end":1002.6,"sentiment":"positive","sentiment_score":0.5481212139129639},{"text":"Now the next document shows you your performance.","start":1002.82,"end":1006.495,"sentiment":"neutral","sentiment_score":0.18991058319807053},{"text":"So, basically, what's happened with your investments in your superannuation over the last twelve months.","start":1006.79504,"end":1012.255,"sentiment":"neutral","sentiment_score":0.021389525135358176}],"sentiment":"neutral","sentiment_score":0.11661643438762234,"num_words":31,"start":998.74,"end":1012.255},{"sentences":[{"text":"So, obviously, the last twelve months, we have had bit of bit of fluctuations in the market, which I'm sure you've seen on the news and everything that has happened.","start":1012.635,"end":1021.14,"sentiment":"neutral","sentiment_score":-0.04521080482130249},{"text":"But in saying that, though, and in the fact that you are in a high growth portfolio, which can see more fluctuations with everything going on in the market, it's still done pretty good.","start":1021.14,"end":1032.26,"sentiment":"neutral","sentiment_score":0.3207128823680036},{"text":"So in the last twelve months, after all fees have been deducted from your account, it's still gone up by 8.68 percent, which we're quite happy with given the the market conditions.","start":1032.26,"end":1044.005,"sentiment":"positive","sentiment_score":0.4570193914696574},{"text":"So that's good.","start":1045.1849,"end":1046.245,"sentiment":"positive","sentiment_score":0.6381087104479471},{"text":"In terms of a dollar value, so that is just growth on your investments, it's about 44,538.","start":1046.385,"end":1055.62,"sentiment":"neutral","sentiment_score":0.25766967324649587}],"sentiment":"neutral","sentiment_score":0.26264866344341686,"num_words":116,"start":1012.635,"end":1055.62},{"sentences":[{"text":"So pretty, pretty good still.","start":1056.08,"end":1057.6799,"sentiment":"positive","sentiment_score":0.47922958731651305},{"text":"Now when it comes to your investments, we also want to make sure that we do take a, obviously, proactive approach to your investments.","start":1057.6799,"end":1065.575,"sentiment":"neutral","sentiment_score":0.09246427783121665},{"text":"It's something we always research.","start":1065.635,"end":1067.4149,"sentiment":"neutral","sentiment_score":0.09959044605493546},{"text":"Because if there is a investment that we foresee, you know, underperforming a little bit or potentially not being the best option moving forward and we think there might be other suitable options, we do obviously want to take that proactive approach.","start":1068.115,"end":1082.5801,"sentiment":"neutral","sentiment_score":-0.03511124051042965},{"text":"So I can see that there is one investment in your portfolio that I would like to do a little bit more research on and see if we want to look at changing it because it has underperformed a little bit.","start":1082.72,"end":1095.495,"sentiment":"neutral","sentiment_score":0.05309629740148056}],"sentiment":"neutral","sentiment_score":0.04970528997289829,"num_words":117,"start":1056.08,"end":1095.495},{"sentences":[{"text":"The rest of your investments are doing really well if you are happy for me to do that for you.","start":1095.575,"end":1100.555,"sentiment":"neutral","sentiment_score":0.32560311555862426},{"text":"Yep.","start":1101.015,"end":1101.515,"sentiment":"neutral","sentiment_score":0.168871209025383},{"text":"Great.","start":1101.655,"end":1102.155,"sentiment":"neutral","sentiment_score":0.315107136964798},{"text":"Any questions so far, or that's pretty straightforward?","start":1103.735,"end":1105.995,"sentiment":"neutral","sentiment_score":0.09275343967601657},{"text":"No.","start":1106.295,"end":1106.795,"sentiment":"neutral","sentiment_score":0.022228550165891647}],"sentiment":"neutral","sentiment_score":0.250332152410861,"num_words":31,"start":1095.575,"end":1106.795},{"sentences":[{"text":"Perfect.","start":1106.855,"end":1107.355,"sentiment":"neutral","sentiment_score":0.19552326202392575},{"text":"Now you will also have your certificate of currency for your insurances.","start":1107.6799,"end":1111.38,"sentiment":"neutral","sentiment_score":0.14857757712403932},{"text":"Just gives you a little bit more information in regards through them, but basically lets you know that's all paid and up to date.","start":1112.0,"end":1118.5,"sentiment":"neutral","sentiment_score":0.13095162933071455},{"text":"Now you will also have your Oakview services guide.","start":1120.785,"end":1124.4851,"sentiment":"neutral","sentiment_score":0.10513581087191899},{"text":"Again, you would have seen this a couple of times before.","start":1124.785,"end":1127.1051,"sentiment":"neutral","sentiment_score":0.09088326922871849}],"sentiment":"neutral","sentiment_score":0.1239865184353109,"num_words":57,"start":1106.855,"end":1127.1051},{"sentences":[{"text":"It is one of those compliance documents.","start":1127.1051,"end":1129.4451,"sentiment":"neutral","sentiment_score":0.0939651472227914},{"text":"It does give you all the important information in regards to us here at Oakview.","start":1130.0651,"end":1134.24,"sentiment":"neutral","sentiment_score":0.16936673671007157},{"text":"View.","start":1134.24,"end":1134.4,"sentiment":"neutral","sentiment_score":0.11728702485561372},{"text":"You'll see all the directors, advisers, and everything in there.","start":1134.4,"end":1137.78,"sentiment":"neutral","sentiment_score":0.10054914634674787},{"text":"The one thing I do want to let you know is that we've had a little bit of change when it comes to our fee structure.","start":1138.48,"end":1144.9,"sentiment":"neutral","sentiment_score":0.04054768533947376}],"sentiment":"neutral","sentiment_score":0.09110636251457667,"num_words":59,"start":1127.1051,"end":1144.9},{"sentences":[{"text":"So for you, right now, it's actually turning out a little bit cheaper, which is great.","start":1145.92,"end":1151.655,"sentiment":"positive","sentiment_score":0.5331266243010759},{"text":"So if you remember that it it used to be a flat fee of 1.65% from superannuation.","start":1151.655,"end":1160.475,"sentiment":"neutral","sentiment_score":0.1285733194912181},{"text":"And now what we are changing to is more of a tiered structure, whereas your super balance grows, it will then gradually get cheaper.","start":1160.9349,"end":1170.26,"sentiment":"neutral","sentiment_score":0.09422688807050388},{"text":"That is outlined in that document for you.","start":1170.26,"end":1172.92,"sentiment":"neutral","sentiment_score":0.05404380150139332},{"text":"But just for your reference, it means that from between zero to two hundred thousand, it's the same at 1.65.","start":1173.3,"end":1181.365,"sentiment":"neutral","sentiment_score":0.020382366981357335}],"sentiment":"neutral","sentiment_score":0.1625554762999801,"num_words":85,"start":1145.92,"end":1181.365},{"sentences":[{"text":"Then between 200,000 and 500,000, it's reduced to 1.375%.","start":1182.0651,"end":1188.9651,"sentiment":"neutral","sentiment_score":0.014383510479496585},{"text":"Then between 500,000 and a million, it's 1.1.","start":1189.505,"end":1193.25,"sentiment":"neutral","sentiment_score":0.02430563047528267},{"text":"And then 1,000,000 to 2,000,000, it's 0.825.","start":1193.25,"end":1196.71,"sentiment":"neutral","sentiment_score":0.020788406687123433},{"text":"So, essentially, it kind of just decreases as your balance grows.","start":1197.01,"end":1200.4501,"sentiment":"neutral","sentiment_score":0.0124263677068732},{"text":"Does that make sense?","start":1200.4501,"end":1201.51,"sentiment":"neutral","sentiment_score":0.04283637087792158}],"sentiment":"neutral","sentiment_score":0.01993464136448426,"num_words":39,"start":1182.0651,"end":1201.51},{"sentences":[{"text":"Yep.","start":1202.29,"end":1202.61,"sentiment":"neutral","sentiment_score":0.11129959672689438},{"text":"Okay.","start":1202.61,"end":1203.09,"sentiment":"neutral","sentiment_score":0.23661819100379944},{"text":"Beautiful.","start":1203.09,"end":1203.49,"sentiment":"positive","sentiment_score":0.4599415361881256},{"text":"So that's all in there for you, but it is also outlined on the ongoing service agreement as well, which is the next document.","start":1203.49,"end":1211.755,"sentiment":"neutral","sentiment_score":0.20859878292928138},{"text":"That one here, it will ask for your signature later if you're happy to do so, and that is just to say that you are happy to stay on as a client.","start":1214.055,"end":1221.6799,"sentiment":"neutral","sentiment_score":0.23584772227331996}],"sentiment":"neutral","sentiment_score":0.22646368181301377,"num_words":59,"start":1202.29,"end":1221.6799},{"sentences":[{"text":"Now it is not a lock in contract, Richard.","start":1222.1399,"end":1224.46,"sentiment":"neutral","sentiment_score":0.004962812695238326},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1224.46,"end":1228.3799,"sentiment":"neutral","sentiment_score":-0.0007040520302123494},{"text":"There's no excess fees or anything like that.","start":1228.3799,"end":1230.72,"sentiment":"neutral","sentiment_score":0.021072458242997527},{"text":"But by signing this, otherwise, it just allows us to manage all your investments and your and your insurances and everything for you in the meantime.","start":1230.94,"end":1238.0349,"sentiment":"neutral","sentiment_score":0.17663533785022223},{"text":"Does that all make sense?","start":1238.1749,"end":1239.3949,"sentiment":"neutral","sentiment_score":0.11164266169071198}],"sentiment":"neutral","sentiment_score":0.08108036570025212,"num_words":66,"start":1222.1399,"end":1239.3949},{"sentences":[{"text":"Yep.","start":1239.855,"end":1240.335,"sentiment":"neutral","sentiment_score":0.25248655676841736},{"text":"Beautiful.","start":1240.335,"end":1240.835,"sentiment":"positive","sentiment_score":0.5095245838165283},{"text":"Now there will be one last document that I will also ask for your signature if you are happy to do so, and that is just a compliance form to say that we are keeping your tax phone number secure and safe on file.","start":1241.2949,"end":1253.27,"sentiment":"neutral","sentiment_score":0.25889542123133485},{"text":"We already have it, so you don't need to provide it, but it is basically just to let you know that.","start":1253.33,"end":1257.91,"sentiment":"neutral","sentiment_score":0.1896495194662185},{"text":"Yep.","start":1259.25,"end":1259.5701,"sentiment":"neutral","sentiment_score":0.2715134620666504}],"sentiment":"neutral","sentiment_score":0.24128769184736645,"num_words":68,"start":1239.855,"end":1259.5701},{"sentences":[{"text":"Perfect.","start":1259.5701,"end":1260.0701,"sentiment":"positive","sentiment_score":0.5048553943634033},{"text":"Do you have any questions in regards to any of those documents at this point?","start":1260.37,"end":1263.5651,"sentiment":"neutral","sentiment_score":0.026057498281200728},{"text":"No.","start":1263.5651,"end":1264.0651,"sentiment":"neutral","sentiment_score":0.0264540184289217},{"text":"Perfect.","start":1264.2051,"end":1264.7051,"sentiment":"neutral","sentiment_score":0.18131716549396515},{"text":"Pretty straightforward.","start":1264.765,"end":1265.5851,"sentiment":"positive","sentiment_score":0.3587729185819626}],"sentiment":"neutral","sentiment_score":0.09105174448341131,"num_words":20,"start":1259.5701,"end":1265.5851},{"sentences":[{"text":"So what I will do, Richard, while I have you on the phone is just to kind of quickly book in a catch up to go over the research that I'll do on your super investments to see if we wanna make any changes.","start":1266.525,"end":1276.385,"sentiment":"neutral","sentiment_score":0.1392995532263409},{"text":"It should be pretty straightforward.","start":1276.78,"end":1278.4,"sentiment":"neutral","sentiment_score":0.27192406356334686},{"text":"It will take me probably about a week, so I can have it done for you by next week.","start":1279.82,"end":1285.6,"sentiment":"neutral","sentiment_score":0.11707480526284168},{"text":"When is a best time for yourself usually?","start":1287.26,"end":1289.675,"sentiment":"neutral","sentiment_score":0.06557570863515139},{"text":"Like, I know, obviously, sometimes it changes with your work, but roughly 08:30?","start":1289.7351,"end":1296.6951,"sentiment":"neutral","sentiment_score":0.03717086908335869}],"sentiment":"neutral","sentiment_score":0.12046122389814157,"num_words":89,"start":1266.525,"end":1296.6951},{"sentences":[{"text":"Yep.","start":1296.6951,"end":1297.0951,"sentiment":"neutral","sentiment_score":0.13582557439804077},{"text":"Beautiful.","start":1297.0951,"end":1297.5951,"sentiment":"neutral","sentiment_score":0.3034972548484802},{"text":"I could do let me see here.","start":1297.655,"end":1300.2351,"sentiment":"neutral","sentiment_score":0.1557066696030753},{"text":"I could do 08:30 either on Wednesday, the second, or Tuesday, August 1.","start":1302.775,"end":1311.8699,"sentiment":"neutral","sentiment_score":0.04606966588359613},{"text":"So next Tuesday.","start":1312.65,"end":1313.7101,"sentiment":"neutral","sentiment_score":0.029660938307642937}],"sentiment":"neutral","sentiment_score":0.08868631951510907,"num_words":25,"start":1296.6951,"end":1313.7101},{"sentences":[{"text":"Tuesday?","start":1313.8501,"end":1314.3501,"sentiment":"neutral","sentiment_score":0.03394297510385513},{"text":"Okay.","start":1314.9701,"end":1315.335,"sentiment":"neutral","sentiment_score":0.08473550528287888},{"text":"Beautiful.","start":1315.495,"end":1315.975,"sentiment":"positive","sentiment_score":0.33912742137908936},{"text":"So I will book that in next Tuesday, August 1, which is pretty crazy that it's not already at 08:30.","start":1315.975,"end":1324.715,"sentiment":"neutral","sentiment_score":0.06531718950718642},{"text":"If anything does change and you can't make it, yeah, just let me know.","start":1324.9349,"end":1329.35,"sentiment":"neutral","sentiment_score":0.03372103002454553}],"sentiment":"neutral","sentiment_score":0.060439030060897,"num_words":37,"start":1313.8501,"end":1329.35},{"sentences":[{"text":"And would you like a reminder text sent, like, 24 hours before?","start":1329.35,"end":1332.5499,"sentiment":"neutral","sentiment_score":0.039337372252096735},{"text":"Yep.","start":1332.5499,"end":1332.87,"sentiment":"neutral","sentiment_score":0.15404631197452545},{"text":"Beautiful.","start":1332.87,"end":1333.27,"sentiment":"positive","sentiment_score":0.4859889149665833},{"text":"And did you get the text reminder this time?","start":1333.27,"end":1335.2899,"sentiment":"neutral","sentiment_score":0.14243793528940943},{"text":"Okay.","start":1337.91,"end":1338.41,"sentiment":"neutral","sentiment_score":0.04797661304473877}],"sentiment":"neutral","sentiment_score":0.10175007185898721,"num_words":24,"start":1329.35,"end":1338.41},{"sentences":[{"text":"Because I know I said it, and I was like, I know you didn't get it time, so I just wanted to make sure.","start":1338.87,"end":1343.435,"sentiment":"neutral","sentiment_score":0.017047883477061987},{"text":"But that is no problem.","start":1343.435,"end":1345.775,"sentiment":"neutral","sentiment_score":0.20432550013065337},{"text":"I will set that up for you, and I will give you a call next Tuesday the first at 08:30.","start":1345.8351,"end":1352.895,"sentiment":"neutral","sentiment_score":0.1933452319353819},{"text":"In the meantime, when you have a moment, just have a look through those documents for me.","start":1353.435,"end":1357.75,"sentiment":"neutral","sentiment_score":0.13609778968726888},{"text":"Any questions, let me know.","start":1357.89,"end":1359.4901,"sentiment":"neutral","sentiment_score":0.13096849620342255}],"sentiment":"neutral","sentiment_score":0.11642515842973346,"num_words":71,"start":1338.87,"end":1359.4901},{"sentences":[{"text":"If not, if you're happy to do so, it will just ask for the signature on those two documents.","start":1359.4901,"end":1363.8301,"sentiment":"neutral","sentiment_score":0.10088274471069637},{"text":"Yep.","start":1365.41,"end":1365.81,"sentiment":"neutral","sentiment_score":0.08263910561800003},{"text":"Beautiful.","start":1365.81,"end":1366.31,"sentiment":"neutral","sentiment_score":0.2499808520078659},{"text":"Do you have any questions for me before I let you go otherwise, Richard?","start":1366.6101,"end":1370.15,"sentiment":"neutral","sentiment_score":-0.00588433923465865},{"text":"No?","start":1371.17,"end":1371.555,"sentiment":"neutral","sentiment_score":-0.011696331202983856}],"sentiment":"neutral","sentiment_score":0.05986986185113589,"num_words":36,"start":1359.4901,"end":1371.555},{"sentences":[{"text":"Beautiful.","start":1371.9551,"end":1372.4551,"sentiment":"positive","sentiment_score":0.7709949016571045},{"text":"Great.","start":1372.8351,"end":1373.2351,"sentiment":"positive","sentiment_score":0.8171103000640869},{"text":"Well, I hope the rest of your day is is pretty crazy.","start":1373.2351,"end":1376.135,"sentiment":"positive","sentiment_score":0.6433429817358652},{"text":"Nothing too too bad, and I will speak to you next week.","start":1376.1951,"end":1380.375,"sentiment":"neutral","sentiment_score":0.18543819027642408},{"text":"Okay.","start":1381.635,"end":1382.135,"sentiment":"neutral","sentiment_score":0.3032282590866089}],"sentiment":"positive","sentiment_score":0.43839657499834345,"num_words":27,"start":1371.9551,"end":1382.135},{"sentences":[{"text":"No worries.","start":1382.275,"end":1382.995,"sentiment":"neutral","sentiment_score":0.11327548697590828},{"text":"Bye.","start":1382.995,"end":1383.495,"sentiment":"neutral","sentiment_score":0.13624201714992523}],"sentiment":"neutral","sentiment_score":0.12093099703391393,"num_words":3,"start":1382.275,"end":1383.495}]}}]},{"alternatives":[{"transcript":"Hello. Richard speaking. Hello. How are you doing? All good. Yep. Yep. Now just a bit busy outside. Yep. I'm here. That's alright. We'll keep our fingers crossed. Okay. Yep. Richard Raymond Berry. 228218 Grahams Road, Sharon. Well, I've got currently, this my settlement from my divorce is in the courts. So I'm gonna have to get the house and mortgage and everything trans like refinance and transfer it all back into my name. Yeah. They say like, the court the court says ninety days, but, you know, me me and my ex wife won't enforce that with each other. Yeah. Well, I've had a mortgage broker in the past. It could probably help. Yeah. Yeah. Thank you. Yep. Yep. No. No. Nothing's changing. Just I'm taking my house, and she's taking her house, if that makes sense. Yeah. No. We're we're all good, me and her. Yeah. I think I've got the best ex wife in the world, so I'm very lucky that way. Yeah. We we won't we won't go into the ex partner, but so let's look at it. Yeah. Yep. Yeah. Yes. The the current address. Yeah. Well, the real estate agent come out, like, a few weeks ago, like, when like, you know, drawing up the papers, and he he reckons he could get close to $9.50 to 1,000,000. But, you know, I think he's I think he's pulling me tail there trying to get me to you know? Because then you say, oh, if you wanna sell, let me know. I'll say, oh, I just have to buy somewhere else, mate. But, I mean, like, if that's what he's saying, you know, that's what the court said before the court says, I think so. It's about $4.50, I think. $4.30, 4 to $4.30, maybe $4.50, around there. Yeah. No. No. Yeah. About that. Yeah. Oh, it's a leased vehicle, so I don't own it. Yeah. I yeah. I I don't know. I honestly don't know. I know the residuals are $10. I I don't know. I couldn't I couldn't tell you. No. Yep. Yeah. No. That's that's fine. Yep. Yeah. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. That's that's about right. That's about right. Yeah. What was that? What was that? Sorry. Oh, yes. Yeah. Yep. No. Yep. No. I don't, actually. Yeah. Yeah. Well, I'd like another investment property, but I know that's probably not gonna happen the way I used to have it. So I'd like to once all this is sorted, get an investment property with the super because I'd rather not have it all stuck in shares. I don't really have the time for that, but it's yeah. Something like that with your help. Yeah. Okay. Broad. Yes. Oh, I'm not gonna leave it at that. Yeah. Okay. What what do you mean by that? Like a business? Oh, so you can't buy you can't buy a property anymore and rent it out. Yeah. Okay. Yeah. Right. Yeah. Yeah. Yeah. Yep. Yep. I have no idea. Well, that'd be great. That was, yeah, that that was the plan twelve months ago, and things have changed, obviously. Yeah. Yeah. Definitely definitely a bad age. Yeah. Look. If I had the mortgage still, I wouldn't retire until the mortgage is gone. Yeah. Yeah. Yeah. Yes. Yes. No. Probably moderate now. Yeah. No. I'd be neutral. Yeah. Yeah. Yeah. Optimistic. Probably. Yeah. Yep. Yep. You're pretty much going into the highest risk, you know, and it fluctuates a bit. Yep. Yeah. Yep. Yep. Yep. Yeah. Yep. Yeah. No. I'm happy with that. If you are. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Yep. Yep. Yep. Not while I'm on the phone. Yeah. Yep. No worries. Mhmm. Yep. Mhmm. Yep. Yeah, please. Yep. Yeah. Yep. Yes. Yeah. Yep. Yeah. Yep. Mhmm. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Mhmm. Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. Mhmm. Okay. Yeah. Absolutely. Yeah. No. Mhmm. Yep. Yep. Uh-huh. Cool. Yep. Okay. Yep. Yep. Yep. Okay. Yeah. Yes. It does. Yeah. Mhmm. Yeah. Yeah. Yes. Yeah. Yep. Yes. Okay. No worries. No. Nope. Yep. Okay. Yeah. Maybe eight thirty in the morning. Yeah. I think Tuesday would be the best. Yep. Yeah. Oh, well, yep. Yes, please. That'd be great. I can't remember. Yeah. No worries. No. That's all good. I'm happy. Thank you. You too. Okay. Thanks, Veronica. Bye. 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Richard speaking. Hello. How are you doing? All good.\n\nYep. Yep. Now just a bit busy outside. Yep. I'm here.\n\nThat's alright. We'll keep our fingers crossed. Okay. Yep. Richard Raymond Berry.\n\n228218 Grahams Road, Sharon. Well, I've got currently, this my settlement from my divorce is in the courts. So I'm gonna have to get the house and mortgage and everything trans like refinance and transfer it all back into my name. Yeah. They say like, the court the court says ninety days, but, you know, me me and my ex wife won't enforce that with each other.\n\nYeah. Well, I've had a mortgage broker in the past. It could probably help. Yeah. Yeah.\n\nThank you. Yep. Yep. No. No.\n\nNothing's changing. Just I'm taking my house, and she's taking her house, if that makes sense. Yeah. No. We're we're all good, me and her.\n\nYeah. I think I've got the best ex wife in the world, so I'm very lucky that way. Yeah. We we won't we won't go into the ex partner, but so let's look at it. Yeah.\n\nYep. Yeah. Yes. The the current address. Yeah.\n\nWell, the real estate agent come out, like, a few weeks ago, like, when like, you know, drawing up the papers, and he he reckons he could get close to $9.50 to 1,000,000. But, you know, I think he's I think he's pulling me tail there trying to get me to you know? Because then you say, oh, if you wanna sell, let me know. I'll say, oh, I just have to buy somewhere else, mate. But, I mean, like, if that's what he's saying, you know, that's what the court said before the court says, I think so.\n\nIt's about $4.50, I think. $4.30, 4 to $4.30, maybe $4.50, around there. Yeah. No. No.\n\nYeah. About that. Yeah. Oh, it's a leased vehicle, so I don't own it. Yeah.\n\nI yeah. I I don't know. I honestly don't know. I know the residuals are $10. I I don't know.\n\nI couldn't I couldn't tell you. No. Yep. Yeah. No.\n\nThat's that's fine. Yep. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. That's that's about right. That's about right. Yeah. What was that?\n\nWhat was that? Sorry. Oh, yes. Yeah. Yep.\n\nNo. Yep. No. I don't, actually. Yeah.\n\nYeah. Well, I'd like another investment property, but I know that's probably not gonna happen the way I used to have it. So I'd like to once all this is sorted, get an investment property with the super because I'd rather not have it all stuck in shares. I don't really have the time for that, but it's yeah. Something like that with your help.\n\nYeah. Okay. Broad. Yes. Oh, I'm not gonna leave it at that.\n\nYeah. Okay. What what do you mean by that? Like a business? Oh, so you can't buy you can't buy a property anymore and rent it out.\n\nYeah. Okay. Yeah. Right. Yeah.\n\nYeah. Yeah. Yep. Yep. I have no idea.\n\nWell, that'd be great. That was, yeah, that that was the plan twelve months ago, and things have changed, obviously. Yeah. Yeah. Definitely definitely a bad age.\n\nYeah. Look. If I had the mortgage still, I wouldn't retire until the mortgage is gone. Yeah. Yeah.\n\nYeah. Yes. Yes. No. Probably moderate now.\n\nYeah. No. I'd be neutral. Yeah. Yeah.\n\nYeah. Optimistic. Probably. Yeah. Yep.\n\nYep. You're pretty much going into the highest risk, you know, and it fluctuates a bit. Yep. Yeah. Yep.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nNo. I'm happy with that. If you are. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. Not while I'm on the phone. Yeah.\n\nYep. No worries. Mhmm. Yep. Mhmm.\n\nYep. Yeah, please. Yep. Yeah. Yep.\n\nYes. Yeah. Yep. Yeah. Yep.\n\nMhmm. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Mhmm. Yep. Yeah. Yep.\n\nYep. Yep. Yeah. Yeah. Mhmm.\n\nOkay. Yeah. Absolutely. Yeah. No.\n\nMhmm. Yep. Yep. Uh-huh. Cool.\n\nYep. Okay. Yep. Yep. Yep.\n\nOkay. Yeah. Yes. It does. Yeah.\n\nMhmm. Yeah. Yeah. Yes. Yeah.\n\nYep. Yes. Okay. No worries. No.\n\nNope. Yep. Okay. Yeah. Maybe eight thirty in the morning.\n\nYeah. I think Tuesday would be the best. Yep. Yeah. Oh, well, yep.\n\nYes, please. That'd be great. I can't remember. Yeah. No worries.\n\nNo. That's all good. I'm happy. Thank you. You too.\n\nOkay. Thanks, Veronica. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.5999999,"end":2.0,"sentiment":"neutral","sentiment_score":0.03095913678407669},{"text":"Richard speaking.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.032251651398837566},{"text":"Hello.","start":6.96,"end":7.46,"sentiment":"neutral","sentiment_score":0.13366375863552094},{"text":"How are you doing?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.15165706723928452},{"text":"All good.","start":10.24,"end":10.98,"sentiment":"positive","sentiment_score":0.6356405317783356}],"sentiment":"neutral","sentiment_score":0.2107035530731082,"num_words":10,"start":1.5999999,"end":10.98},{"sentences":[{"text":"Yep.","start":17.315,"end":17.795,"sentiment":"neutral","sentiment_score":0.09890510886907578},{"text":"Yep.","start":17.795,"end":18.295,"sentiment":"neutral","sentiment_score":0.08771613240242004},{"text":"Now just a bit busy outside.","start":18.355,"end":21.335,"sentiment":"neutral","sentiment_score":0.18392578015724817},{"text":"Yep.","start":21.555,"end":21.875,"sentiment":"neutral","sentiment_score":0.08670824766159058},{"text":"I'm here.","start":21.875,"end":22.615,"sentiment":"neutral","sentiment_score":0.12753083556890488}],"sentiment":"neutral","sentiment_score":0.14835871281948956,"num_words":11,"start":17.315,"end":22.615},{"sentences":[{"text":"That's alright.","start":26.435,"end":27.255001,"sentiment":"neutral","sentiment_score":0.05932120233774186},{"text":"We'll keep our fingers crossed.","start":28.33,"end":29.77,"sentiment":"neutral","sentiment_score":0.08785144388675689},{"text":"Okay.","start":29.77,"end":30.27,"sentiment":"neutral","sentiment_score":0.06651927530765533},{"text":"Yep.","start":41.77,"end":42.27,"sentiment":"neutral","sentiment_score":0.12612447142601013},{"text":"Richard Raymond Berry.","start":52.775,"end":54.135,"sentiment":"neutral","sentiment_score":0.01352773793041706}],"sentiment":"neutral","sentiment_score":0.06592721538618207,"num_words":12,"start":26.435,"end":54.135},{"sentences":[{"text":"228218 Grahams Road, Sharon.","start":54.135,"end":56.875,"sentiment":"neutral","sentiment_score":0.028454717015847564},{"text":"Well, I've got currently, this my settlement from my divorce is in the courts.","start":72.325005,"end":77.865005,"sentiment":"neutral","sentiment_score":-0.047873551558171},{"text":"So I'm gonna have to get the house and mortgage and everything trans like refinance and transfer it all back into my name.","start":79.365005,"end":87.545006,"sentiment":"neutral","sentiment_score":-0.0028736188035944233},{"text":"Yeah.","start":93.5,"end":94.0,"sentiment":"neutral","sentiment_score":-0.012734697200357914},{"text":"They say like, the court the court says ninety days, but, you know, me me and my ex wife won't enforce that with each other.","start":94.46,"end":101.9,"sentiment":"neutral","sentiment_score":-0.03504294734448195}],"sentiment":"neutral","sentiment_score":-0.022556902493225103,"num_words":67,"start":54.135,"end":101.9},{"sentences":[{"text":"Yeah.","start":101.9,"end":102.4,"sentiment":"neutral","sentiment_score":0.026540223509073257},{"text":"Well, I've had a mortgage broker in the past.","start":115.0,"end":117.32,"sentiment":"neutral","sentiment_score":0.04637885342041651},{"text":"It could probably help.","start":117.32,"end":118.35999,"sentiment":"neutral","sentiment_score":0.10732182115316391},{"text":"Yeah.","start":118.35999,"end":118.85999,"sentiment":"neutral","sentiment_score":0.05805188417434693},{"text":"Yeah.","start":119.0,"end":119.5,"sentiment":"neutral","sentiment_score":0.06814182549715042}],"sentiment":"neutral","sentiment_score":0.06246443116106093,"num_words":16,"start":101.9,"end":119.5},{"sentences":[{"text":"Thank you.","start":121.799995,"end":122.7,"sentiment":"positive","sentiment_score":0.4588227719068527},{"text":"Yep.","start":123.56,"end":124.06,"sentiment":"neutral","sentiment_score":0.09312053769826888},{"text":"Yep.","start":126.35999,"end":126.85999,"sentiment":"neutral","sentiment_score":0.01643165946006775},{"text":"No.","start":131.99501,"end":132.395,"sentiment":"neutral","sentiment_score":-0.0695016086101532},{"text":"No.","start":132.395,"end":132.63501,"sentiment":"neutral","sentiment_score":-0.0834248960018158}],"sentiment":"neutral","sentiment_score":0.14571187272667885,"num_words":6,"start":121.799995,"end":132.63501},{"sentences":[{"text":"Nothing's changing.","start":132.63501,"end":133.675,"sentiment":"neutral","sentiment_score":-0.07683825865387917},{"text":"Just I'm taking my house, and she's taking her house, if that makes 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into the ex partner, but so let's look at it.","start":153.91501,"end":158.815,"sentiment":"neutral","sentiment_score":-0.014439367689192295},{"text":"Yeah.","start":161.595,"end":162.095,"sentiment":"neutral","sentiment_score":0.01664092019200325}],"sentiment":"neutral","sentiment_score":0.23223140308012566,"num_words":36,"start":140.63501,"end":162.095},{"sentences":[{"text":"Yep.","start":165.675,"end":166.175,"sentiment":"neutral","sentiment_score":-0.01925081387162209},{"text":"Yeah.","start":172.33,"end":172.83,"sentiment":"neutral","sentiment_score":-0.0022398727014660835},{"text":"Yes.","start":174.01001,"end":174.51001,"sentiment":"neutral","sentiment_score":0.009181189350783823},{"text":"The the current 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that's about right.","start":340.06,"end":341.65997,"sentiment":"neutral","sentiment_score":-0.000956814008532092},{"text":"That's about right.","start":341.65997,"end":342.69998,"sentiment":"neutral","sentiment_score":0.06732172643144925},{"text":"Yeah.","start":342.69998,"end":343.19998,"sentiment":"neutral","sentiment_score":0.09301824122667313},{"text":"What was that?","start":353.155,"end":353.795,"sentiment":"neutral","sentiment_score":-0.006116693218549092}],"sentiment":"neutral","sentiment_score":0.02323483094611826,"num_words":12,"start":339.65997,"end":353.795},{"sentences":[{"text":"What was that?","start":353.795,"end":354.435,"sentiment":"neutral","sentiment_score":-0.013227501263221106},{"text":"Sorry.","start":354.435,"end":354.935,"sentiment":"neutral","sentiment_score":-0.04132991284132004},{"text":"Oh, yes.","start":358.27502,"end":358.99503,"sentiment":"neutral","sentiment_score":-0.011656009126454592},{"text":"Yeah.","start":358.99503,"end":359.49503,"sentiment":"neutral","sentiment_score":-0.011015523225069046},{"text":"Yep.","start":360.515,"end":361.015,"sentiment":"neutral","sentiment_score":0.08659734576940536}],"sentiment":"neutral","sentiment_score":-0.003592826542444527,"num_words":8,"start":353.795,"end":361.015},{"sentences":[{"text":"No.","start":368.02,"end":368.52,"sentiment":"neutral","sentiment_score":-0.0729808509349823},{"text":"Yep.","start":371.94,"end":372.44,"sentiment":"neutral","sentiment_score":0.01915036514401436},{"text":"No.","start":376.34,"end":376.66,"sentiment":"neutral","sentiment_score":-0.04653916507959366},{"text":"I don't, 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Richard speaking.\n\nChannel 0: Good morning, Richard. It's Veronica from OCU Financial. How are you?\n\nChannel 1: Hello. How are you doing?\n\nChannel 0: Good. How are you?\n\nChannel 1: All good.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Now just\n\nChannel 0: Perfect.\n\nChannel 1: a bit busy outside. Yep. I'm here.\n\nChannel 0: Oh, good. If you do have to rush off, though, because I know, obviously, with your work, if\n\nChannel 1: That's\n\nChannel 0: you are\n\nChannel 1: alright.\n\nChannel 0: just let\n\nChannel 1: We'll keep\n\nChannel 0: me know.\n\nChannel 1: our fingers crossed. Okay.\n\nChannel 0: Yeah. And I'll try to make it quick for you. But before I do kind of jump any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Richard Raymond Berry. 228218 Grahams Road, Sharon.\n\nChannel 0: Yeah. Beautiful. Before I kind of jump into things as well, I do like to start by asking if there is anything specific that you're hoping to get out of the review today or any particular questions you have, or or there's just a bit of a catch up and see where everything's at.\n\nChannel 1: Well, I've got currently, this my settlement from my divorce is in the courts.\n\nChannel 0: Mhmm.\n\nChannel 1: So I'm gonna have to get the house and mortgage and everything trans like refinance and transfer it all back into my name.\n\nChannel 0: Okay. And with time frames, do you know how long\n\nChannel 1: Yeah.\n\nChannel 0: until\n\nChannel 1: They\n\nChannel 0: it's all\n\nChannel 1: say\n\nChannel 0: kinda sorted?\n\nChannel 1: like, the court the court says ninety days, but,\n\nChannel 0: Okay.\n\nChannel 1: you know, me me and my ex wife won't enforce that with each other. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. And, obviously, getting things refinanced and everything, do you have a good mortgage and stuff that can help you, or do you need help with any of that?\n\nChannel 1: Well, I've had a mortgage broker in the past. It could probably help.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. If you do struggle or need assistance,\n\nChannel 1: Thank\n\nChannel 0: just\n\nChannel 1: you.\n\nChannel 0: let us know,\n\nChannel 1: Yep.\n\nChannel 0: and we can always refer you on through someone. Now\n\nChannel 1: Yep.\n\nChannel 0: do you know as part of the settlement if anything is changing with your superannuation?\n\nChannel 1: No. No. Nothing's changing.\n\nChannel 0: Okay.\n\nChannel 1: Just I'm taking my house, and she's taking her house, if\n\nChannel 0: Okay.\n\nChannel 1: that makes\n\nChannel 0: Okay.\n\nChannel 1: sense.\n\nChannel 0: Great.\n\nChannel 1: Yeah. No.\n\nChannel 0: Yes.\n\nChannel 1: We're we're all good, me and her. Yeah.\n\nChannel 0: Oh, beautiful. That's\n\nChannel 1: I\n\nChannel 0: great.\n\nChannel 1: think I've got the best ex wife in the world, so I'm\n\nChannel 0: That's\n\nChannel 1: very\n\nChannel 0: good.\n\nChannel 1: lucky that way.\n\nChannel 0: That's good, especially with the kids and stuff as well.\n\nChannel 1: Yeah.\n\nChannel 0: That's really good to hear. Alright. So\n\nChannel 1: We we\n\nChannel 0: I'll update.\n\nChannel 1: won't we won't go\n\nChannel 0: Yeah.\n\nChannel 1: into the ex partner, but so let's look at\n\nChannel 0: No. That's\n\nChannel 1: it.\n\nChannel 0: fine. We can we can leave that be.\n\nChannel 1: Yeah.\n\nChannel 0: Now with the assets, just so I can update. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: The the one that you will keep, is that the the one valued last at about 800,000,\n\nChannel 1: Yeah.\n\nChannel 0: like the one that you lived in? Okay.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: The the current address. Yeah.\n\nChannel 0: yep. So that will be yours. Now do you know if it's still valid at about 800?\n\nChannel 1: Well, the real estate agent come out, like, a few weeks ago, like, when like, you know, drawing up the papers, and he he reckons he could get close to $9.50 to 1,000,000. But, you know, I think he's I think he's pulling me tail there trying to get me to you know? Because then you say,\n\nChannel 0: Yeah.\n\nChannel 1: oh, if you wanna sell, let me know. I'll say, oh, I just have to buy somewhere else, mate.\n\nChannel 0: Yeah.\n\nChannel 1: But,\n\nChannel 0: True. Do you want me to update to $9.50?\n\nChannel 1: I mean, like,\n\nChannel 0: If he's\n\nChannel 1: if that's what he's saying, you know,\n\nChannel 0: yep.\n\nChannel 1: that's what the court said before the court says, I think so.\n\nChannel 0: Okay. Yeah. Perfect. And with the mortgage on that one, I have it at about $5.15.\n\nChannel 1: It's about $4.50, I think. $4.30,\n\nChannel 0: Four 50.\n\nChannel 1: 4 to $4.30, maybe $4.50, around there.\n\nChannel 0: Okay. Beautiful. And then the other property, that will then be in your ex wife's name. Is that correct? That won't\n\nChannel 1: Yeah.\n\nChannel 0: be in yours anymore?\n\nChannel 1: No. No.\n\nChannel 0: No. Okay. Perfect. Otherwise, I have a motor vehicle at about 20,000. Is that that's yours?\n\nChannel 1: Yeah. About that. Yeah. Oh, it's\n\nChannel 0: Yeah.\n\nChannel 1: a leased vehicle, so I don't own it. Yeah.\n\nChannel 0: Yeah. Okay. And do you know if you were to repay out the the lease and everything, how much would be left on the car owing?\n\nChannel 1: I yeah. I I don't know. I honestly don't know. I know the residuals are $10. I I don't know.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: couldn't I\n\nChannel 0: all\n\nChannel 1: couldn't\n\nChannel 0: good.\n\nChannel 1: tell\n\nChannel 0: Just put on sure. Any other assets\n\nChannel 1: you.\n\nChannel 0: in your name otherwise?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Great. So what I'll do is I'll just quickly go through the fact line while we are kind of talking about this to see if there's anything else that's changed, if we need to make any changes to your advice.\n\nChannel 1: Yep.\n\nChannel 0: So just kind of bear with me as I run through this. Now next up, Ken, I still have Courtney nominated. Would you like to\n\nChannel 1: Yeah.\n\nChannel 0: change\n\nChannel 1: No. That's\n\nChannel 0: this?\n\nChannel 1: that's fine.\n\nChannel 0: That's fine. Okay. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And it's just in the event that something happens to you and someone to contact. It\n\nChannel 1: Yeah.\n\nChannel 0: doesn't give\n\nChannel 1: Yep.\n\nChannel 0: her any rights on anything. It is just\n\nChannel 1: Yeah.\n\nChannel 0: a point of contact. Yep. Perfect. And when it comes to estate planning, I do have here, obviously, your super insurance going through 50% Emma, 50% Lucy. That's still\n\nChannel 1: Yep.\n\nChannel 0: correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And employment wise, so, obviously, still a paramedic?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So still with Queensland ambulance, still\n\nChannel 1: Yep.\n\nChannel 0: working full time. No changes there.\n\nChannel 1: Yep.\n\nChannel 0: No. Beautiful. Income, I have at about one fifty. Do\n\nChannel 1: Yeah.\n\nChannel 0: you know if\n\nChannel 1: That's\n\nChannel 0: that's\n\nChannel 1: that's\n\nChannel 0: still\n\nChannel 1: about\n\nChannel 0: the case?\n\nChannel 1: right. That's\n\nChannel 0: Yep.\n\nChannel 1: about right.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And I do have here as well, obviously, salary sacrifice. It's about 245 a fortnight. Does that sound about right\n\nChannel 1: What was that? What was that? Sorry.\n\nChannel 0: with your extra contributions? So the salary\n\nChannel 1: Oh, yes.\n\nChannel 0: sacrificing\n\nChannel 1: Yeah.\n\nChannel 0: to save that. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Great. Otherwise, health and lifestyle, have you had any changes, like any\n\nChannel 1: No.\n\nChannel 0: significant health issues, injuries, anything? All good there?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And do you have a will or power of attorney or anything like\n\nChannel 1: No.\n\nChannel 0: that in\n\nChannel 1: I\n\nChannel 0: place?\n\nChannel 1: don't, actually.\n\nChannel 0: Nope. Alright. That's good. And I guess when it comes to goals, the stuff that you're working towards or that you are wanting to achieve during the under review, it's sometimes good to do a bit of a check-in to see what's changed. Obviously, I imagine that right now, the main focus is obviously with the the settlement and the court and everything\n\nChannel 1: Yeah.\n\nChannel 0: and get that all sorted.\n\nChannel 1: Yeah.\n\nChannel 0: Aside from that, do you have anything particular that you are working towards that you are wanting to achieve yourself?\n\nChannel 1: Well, I'd like another investment property, but I know that's probably not gonna happen the way I used to have it. So I'd like to once all this is sorted,\n\nChannel 0: Mhmm.\n\nChannel 1: get an investment property with the super because I'd rather not have it all stuck in shares.\n\nChannel 0: Yep. Okay. Perfect. So looking at the the South Manit Superfund route potentially.\n\nChannel 1: I don't really have the time for that, but it's yeah. Something like that with your help. Yeah.\n\nChannel 0: Yeah. Perfect. Because that's kind of they have recently changed with the the budget and everything changes in regards to having properties\n\nChannel 1: Okay.\n\nChannel 0: inside superannuation as well. So the only way that you can have property inside superannuation is through a self managed super fund.\n\nChannel 1: Broad. Yes.\n\nChannel 0: What they have changed is that you are no longer so as of the tenth of this month, they changed that that you are no longer able to borrow money inside super inside the self managed super fund for a residential property. So unless you use everything that you have and that covers the property,\n\nChannel 1: Oh, I'm not\n\nChannel 0: you\n\nChannel 1: gonna leave it at that. Yeah.\n\nChannel 0: yeah. Because it's more so even, like, investment properties and stuff, like, it has to be commercial property if you wanna borrow. Otherwise\n\nChannel 1: Okay. What what do you mean by\n\nChannel 0: yeah.\n\nChannel 1: that? Like a business?\n\nChannel 0: Yes.\n\nChannel 1: Oh,\n\nChannel 0: Exactly.\n\nChannel 1: so you can't buy you can't buy a property anymore and rent it out.\n\nChannel 0: Not to borrow. So if you have enough money in superannuation and you pay for\n\nChannel 1: Yeah.\n\nChannel 0: it outright,\n\nChannel 1: Okay.\n\nChannel 0: which obviously most people can't,\n\nChannel 1: Yeah.\n\nChannel 0: then they have changed the borrowing arrangement inside superannuation.\n\nChannel 1: Right.\n\nChannel 0: So they have made it quite a lot harder\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: with that. But, you know, it's always something we can assess, see how things go. You never know what rules and stuff changes\n\nChannel 1: Yeah.\n\nChannel 0: before it's something we can always keep an keep an eye on and kind of see\n\nChannel 1: Yep.\n\nChannel 0: see what happens down the track.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Beautiful. Otherwise, I have here that you wanna retire ideally at 60 with an income of about a thousand dollars per week if\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: have\n\nChannel 0: don't\n\nChannel 1: no\n\nChannel 0: have the mortgage.\n\nChannel 1: idea. Well, that'd be great. That was,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, that that was the plan twelve months ago, and things have changed, obviously.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And if, obviously, if you think of your current situation, if you were to retire, do you think you need a little bit more than a thousand dollars, obviously, with\n\nChannel 1: Yeah.\n\nChannel 0: if you have\n\nChannel 1: Definitely\n\nChannel 0: the mortgage and stuff?\n\nChannel 1: definitely a bad age. Yeah.\n\nChannel 0: Yeah. How much would you say? Like, 1,500, 2,000 a week?\n\nChannel 1: Look.\n\nChannel 0: What\n\nChannel 1: If I had the mortgage still, I wouldn't\n\nChannel 0: yes.\n\nChannel 1: retire until the mortgage is gone.\n\nChannel 0: Okay. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So that's all good. So, ideally, 60, but you obviously work probably until the mortgage is cleared to give\n\nChannel 1: Yeah.\n\nChannel 0: you that a little bit more financial stability.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Great. Now, otherwise, when it comes to how your money is invested in superannuation, I'll just kind of quickly go through a couple of questions to see if your risk tolerance has changed in terms of how we actually invest your money in your superannuation.\n\nChannel 1: Yes.\n\nChannel 0: It is all just multiple choice to make it nice and easy, and there is no right or wrong\n\nChannel 1: Yes.\n\nChannel 0: answer. Now, Richard, have you ever bought direct shares yourself?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And when it comes to how much risk you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Probably moderate\n\nChannel 0: Moderate?\n\nChannel 1: now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's all good. And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment. And then after six months, it decreased by 20% due to market trends. Would you think that if you had the option to do so, now is good time to put more money in while the prices are down. Would you be kind of a bit neutral just wanting to kind of hold and wait to see what happens before making any decisions, or would you feel like you would rather sell out and move to something a bit more secure but that means you are then also selling when the prices have dropped.\n\nChannel 1: No. I'd be neutral.\n\nChannel 0: Neutral. Yep. Perfect. And, again, when it comes to fluctuations, if you ever notice fluctuation in any of your investments, including superannuation, would you feel optimistic about future investment opportunities? Again, kind\n\nChannel 1: Yeah.\n\nChannel 0: of a bit new neutral, optimistic?\n\nChannel 1: Yeah. Yeah. Optimistic.\n\nChannel 0: Yep. Perfect. And the last one comes in regards to borrowing. So would you ever consider taking out a loan to invest in stocks or funds personally?\n\nChannel 1: Probably. Yeah.\n\nChannel 0: Probably. Yeah. Okay. Perfect. And now, Richard, that tells me here that you have come out as a high growth investor, which is the portfolio we currently have you invested in.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now do you remember what it means to be a high growth investor at all?\n\nChannel 1: You're pretty much going into the highest risk, you know, and it fluctuates a bit.\n\nChannel 0: Yeah. So it is it's not like you're aggressive. So that will be, like, your in terms of, like,\n\nChannel 1: Yep.\n\nChannel 0: the different levels we have, we have, like, aggressive plus, which is where you're actually borrowing money to invest, and, obviously, that's the riskiest. And then you have aggressive,\n\nChannel 1: Yeah.\n\nChannel 0: and then you have high growth. So it is still, you know, quite high in terms of how much you have allocated to your growth investments,\n\nChannel 1: Yep.\n\nChannel 0: which is a combination of Australian shares, international shares, but also property.\n\nChannel 1: Yep.\n\nChannel 0: And these are the ones that's going to give you the most amount of growth, but like you said,\n\nChannel 1: Yep.\n\nChannel 0: also fluctuate the most. So in\n\nChannel 1: Yeah.\n\nChannel 0: a high growth portfolio, we have about 90% allocated to this\n\nChannel 1: Yep.\n\nChannel 0: and then about 10% in defensive, like your cash, your gold, your fixed interest\n\nChannel 1: Yeah.\n\nChannel 0: limit fluctuations a little bit, but that's only a smaller portion.\n\nChannel 1: No. I'm\n\nChannel 0: Now\n\nChannel 1: happy with that.\n\nChannel 0: happy with that. Beautiful.\n\nChannel 1: If you are.\n\nChannel 0: And, also\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And, like, when you are looking at a time frame, so there's a couple of things that obviously comes into play. One of the things we look at is time frame, which is to make sure that you have enough time for these kind of up and down fluctuations. Sorry\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: that to come back around before retirement.\n\nChannel 1: Yep.\n\nChannel 0: And in a high growth portfolio, we typically would like to see eight years until retirement. So you\n\nChannel 1: Yeah.\n\nChannel 0: certainly have that behind you. So from a time frame point of view, it's in a good position to\n\nChannel 1: Yep.\n\nChannel 0: kinda grow your super so you have more by retirement as long as you are comfortable seeing, you know, a bit of those short term fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. We'll we'll leave that as a high growth for now. And, obviously, if anything changes, let us know. And then\n\nChannel 1: Yep.\n\nChannel 0: the closer you do get to retirement, that's\n\nChannel 1: Yep.\n\nChannel 0: where we then gradually start to looking at shifting things a little bit for you. Yeah. Perfect. Now the next thing, Richard, is just to go through a couple of documents about your super and your insurances and performance on your investments. So do you have access to your emails at the moment, or\n\nChannel 1: Not\n\nChannel 0: is\n\nChannel 1: while\n\nChannel 0: it\n\nChannel 1: I'm\n\nChannel 0: a bit\n\nChannel 1: on the\n\nChannel 0: hard?\n\nChannel 1: phone.\n\nChannel 0: No. That's all good. If you're happy for me to do so, I'll\n\nChannel 1: Yeah.\n\nChannel 0: just kind of quickly run through the documents. And then\n\nChannel 1: Yep.\n\nChannel 0: later, I have to send you an email with those attachments. So have a look through them. And if you have any questions, you can always\n\nChannel 1: No worries.\n\nChannel 0: just give me a call. Okay. Beautiful. Now with the documents, you will see the first one, which is a breakdown of your super and your insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: Now it does show you your current superannuation with hub twenty four. I did have a quick look at your super balance as of last annual review when we spoke as well just to give you that comparison.\n\nChannel 1: Yep.\n\nChannel 0: And at that time,\n\nChannel 1: Mhmm.\n\nChannel 0: you had 426,547 in there. And now\n\nChannel 1: Yep.\n\nChannel 0: you have $461,602 in there. Yep. Now with your insurances, you have some insurance with MetLife as well. You have your life and total permanent disability insurance, and that\n\nChannel 1: Yeah,\n\nChannel 0: will\n\nChannel 1: please.\n\nChannel 0: cover you for 567,000. Now,\n\nChannel 1: Yep.\n\nChannel 0: obviously, with the changes in assets and stuff, are you still happy with the level of cover you have for\n\nChannel 1: Yeah.\n\nChannel 0: for life and TPD? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And if something were to happen, at least they will pay out the mortgage\n\nChannel 1: Yes.\n\nChannel 0: on\n\nChannel 1: Yeah.\n\nChannel 0: on the property, leave you a little bit of extra as well to cover any expenses, or, obviously,\n\nChannel 1: Yep.\n\nChannel 0: if something were to happen to you, leaving that to\n\nChannel 1: Yeah.\n\nChannel 0: your kids as well. Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Now you also have your income protection, and that will cover you for $8,995 per month. Now\n\nChannel 1: Mhmm.\n\nChannel 0: you do have a 90 day waiting period\n\nChannel 1: Yep.\n\nChannel 0: and a five year benefit period. Are\n\nChannel 1: Yep.\n\nChannel 0: you still happy with the level of cover you\n\nChannel 1: Yeah.\n\nChannel 0: have for your income protection? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now with the income protection as well sorry. With all those three covers, they are paid from within hub twenty four, so you don't pay for those out of pocket.\n\nChannel 1: Yep.\n\nChannel 0: You do get a 15% tax rebate, and total premium is 2,550 for those three.\n\nChannel 1: Yep.\n\nChannel 0: Yep. You also have trauma cover, and that is paying you out a 111,857 if something were to happen. You pay for that out of pocket, and it's about $27.25 per month. Also\n\nChannel 1: Yep.\n\nChannel 0: happy with the trauma cover?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now the next document shows you your performance. So, basically, what's happened with your investments in your superannuation over the last twelve months. So, obviously, the last twelve months, we have had bit of bit of fluctuations in the market, which\n\nChannel 1: Yeah.\n\nChannel 0: I'm sure you've seen on the news and everything\n\nChannel 1: Yep.\n\nChannel 0: that has happened. But in saying that, though, and in the fact that you are in a high growth portfolio, which can see more fluctuations with everything going on in the market, it's still done pretty good. So in the last twelve months,\n\nChannel 1: Mhmm.\n\nChannel 0: after all fees have been deducted from your account, it's still gone up by 8.68 percent, which\n\nChannel 1: Yep.\n\nChannel 0: we're quite happy with given the\n\nChannel 1: Yeah.\n\nChannel 0: the market conditions.\n\nChannel 1: Yep.\n\nChannel 0: So that's good. In terms of a dollar value, so that is just growth on your investments, it's about 44,538.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: pretty, pretty good still. Now when\n\nChannel 1: Yeah.\n\nChannel 0: it comes to your investments, we also want to make sure that we do take a, obviously, proactive approach to your investments. It's something we always research. Because if there is a investment that we foresee, you know, underperforming a little bit or potentially not being the best option moving forward and we think there might be other suitable options, we do\n\nChannel 1: Yeah.\n\nChannel 0: obviously want to take that proactive approach. So I can\n\nChannel 1: Mhmm.\n\nChannel 0: see that there is one investment in your portfolio that I would like to do a little bit more research on and see if we want to look at changing it because it has underperformed a little bit. The rest of your investments are doing really well if you are happy for me\n\nChannel 1: Okay.\n\nChannel 0: to do\n\nChannel 1: Yeah.\n\nChannel 0: that for you.\n\nChannel 1: Absolutely. Yeah.\n\nChannel 0: Yep. Great. Any questions so far, or that's pretty\n\nChannel 1: No.\n\nChannel 0: straightforward? No. Perfect. Now you will also have your certificate of currency for your insurances. Just gives you a little bit more information in regards through them, but basically lets you know that's all paid and up to date.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you will also have your Oakview services guide. Again, you would have seen this a couple of times before. It is one of those compliance documents.\n\nChannel 1: Yep.\n\nChannel 0: It does give you all the important information\n\nChannel 1: Yep.\n\nChannel 0: in regards to us here at Oakview. View. You'll see all the directors, advisers, and everything in there. The one thing I do want to let you know is that we've had a little bit of change when it comes to our fee structure.\n\nChannel 1: Uh-huh.\n\nChannel 0: So for you, right now, it's actually turning out a little bit cheaper, which is great. So\n\nChannel 1: Cool.\n\nChannel 0: if you remember that it it used to be a flat fee of 1.65% from\n\nChannel 1: Yep.\n\nChannel 0: superannuation. And now what we are changing to is more of a tiered structure, whereas your super balance grows, it will then gradually get cheaper. That is outlined\n\nChannel 1: Okay.\n\nChannel 0: in that document for you.\n\nChannel 1: Yep.\n\nChannel 0: But just for your reference, it means that from between zero to two hundred thousand, it's the same at 1.65. Then between 200,000 and 500,000, it's reduced to 1.375%.\n\nChannel 1: Yep.\n\nChannel 0: Then between 500,000 and a million, it's 1.1. And then 1,000,000 to 2,000,000, it's 0.825.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: essentially, it kind of just decreases\n\nChannel 1: Yeah.\n\nChannel 0: as your balance grows. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Beautiful. So that's all in there for you, but it is also outlined on the ongoing service agreement as well, which is the next document.\n\nChannel 1: Mhmm.\n\nChannel 0: That one here, it will ask for your signature later if you're happy to do so, and that is just to say that you are happy to stay on as a client. Now it is not a lock in contract, Richard. So if at any point in time you are not happy, it is not a lock in contract. There's no excess fees or anything like that. But by\n\nChannel 1: Yeah.\n\nChannel 0: signing this, otherwise, it just allows us to manage all your investments and your and your insurances and everything for you in the meantime. Does\n\nChannel 1: Yeah.\n\nChannel 0: that all make sense?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Beautiful. Now there will be one last document that I will also ask for your signature if you are happy to do so, and that is just a compliance form to say that we are keeping your tax phone number secure and safe on\n\nChannel 1: Yep.\n\nChannel 0: file. We already have it, so you don't need to provide it, but it is basically just to let you know that.\n\nChannel 1: Yes. Okay. No worries.\n\nChannel 0: Yep. Perfect. Do you have any questions in regards to any\n\nChannel 1: No.\n\nChannel 0: of those documents at this point? No. Perfect.\n\nChannel 1: Nope.\n\nChannel 0: Pretty straightforward. So what I will do, Richard, while I have you on the phone is just to kind of quickly book in a catch up to go over the research that I'll do on your super investments to see if we wanna make any changes.\n\nChannel 1: Yep. Okay.\n\nChannel 0: It should be pretty straightforward. It will take me probably about a week, so I can have\n\nChannel 1: Yeah.\n\nChannel 0: it done for you by next week. When is a best time for yourself usually? Like, I know, obviously, sometimes it changes with your work, but roughly\n\nChannel 1: Maybe eight thirty in the morning. Yeah.\n\nChannel 0: 08:30? Yep. Beautiful. I could do let me see here. I could do 08:30 either on Wednesday, the second, or Tuesday, August 1.\n\nChannel 1: I think Tuesday\n\nChannel 0: So next\n\nChannel 1: would\n\nChannel 0: Tuesday.\n\nChannel 1: be the best.\n\nChannel 0: Tuesday? Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So I will book that in next Tuesday, August 1, which is pretty crazy that it's not already at 08:30. If anything does change\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Oh, well,\n\nChannel 0: you can't\n\nChannel 1: yep.\n\nChannel 0: make it, yeah, just let me know. And would you like a reminder text sent, like,\n\nChannel 1: Yes,\n\nChannel 0: 24\n\nChannel 1: please.\n\nChannel 0: hours before? Yep.\n\nChannel 1: That'd\n\nChannel 0: Beautiful.\n\nChannel 1: be\n\nChannel 0: And\n\nChannel 1: great.\n\nChannel 0: did you get the text reminder this time?\n\nChannel 1: I can't remember.\n\nChannel 0: Okay. Because I know I said it, and I was like, I know you didn't get it time, so I just wanted to make sure. But that is no problem. I will set that up for you, and I will give you a call next Tuesday the first at 08:30. In the meantime, when you have a moment, just have a look through those documents for me.\n\nAny questions, let me know. If not, if you're happy to do so, it will just ask for the signature on those two documents.\n\nChannel 1: Yeah. No\n\nChannel 0: Yep.\n\nChannel 1: worries.\n\nChannel 0: Beautiful. Do you have any questions for me before I let you go otherwise, Richard?\n\nChannel 1: No. That's all good.\n\nChannel 0: No?\n\nChannel 1: I'm happy.\n\nChannel 0: Beautiful. Great. Well, I hope the rest of your day is is pretty crazy. Nothing\n\nChannel 1: Thank\n\nChannel 0: too\n\nChannel 1: you.\n\nChannel 0: too\n\nChannel 1: You\n\nChannel 0: bad,\n\nChannel 1: too.\n\nChannel 0: and I will speak to you next week.\n\nChannel 1: Okay. Thanks, Veronica.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: No worries. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.5999999,"end":2.0,"sentiment":"neutral","sentiment_score":0.03095913678407669},{"text":"Richard speaking.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.032251651398837566}],"sentiment":"neutral","sentiment_score":0.031820813193917274,"channel":1,"num_words":3,"start":1.5999999,"end":2.8999999},{"sentences":[{"text":"Good morning, Richard.","start":3.6,"end":4.48,"sentiment":"neutral","sentiment_score":0.3262963791688283},{"text":"It's Veronica from OCU Financial.","start":4.48,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.23427721560001374},{"text":"How are 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of how we actually invest your money in your superannuation.","start":579.38995,"end":592.585,"sentiment":"neutral","sentiment_score":0.12539988637647845}],"sentiment":"neutral","sentiment_score":0.13150420943473248,"channel":0,"num_words":47,"start":577.55,"end":592.585},{"sentences":[{"text":"Yes.","start":592.4,"end":592.9,"sentiment":"neutral","sentiment_score":0.1939813196659088}],"sentiment":"neutral","sentiment_score":0.1939813196659088,"channel":1,"num_words":1,"start":592.4,"end":592.9},{"sentences":[{"text":"It is all just multiple choice to make it nice and easy, and there is no right or 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all good.","start":630.0,"end":631.62,"sentiment":"neutral","sentiment_score":0.32377631465593976},{"text":"And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment.","start":632.08,"end":640.57495,"sentiment":"neutral","sentiment_score":0.002401002123951912},{"text":"And then after six months, it decreased by 20% due to market trends.","start":641.27496,"end":647.535,"sentiment":"neutral","sentiment_score":-0.09018034688555278},{"text":"Would you think that if you had the option to do so, now is good time to put more money in while the prices are down.","start":648.475,"end":654.58997,"sentiment":"neutral","sentiment_score":0.04394277786979309},{"text":"Would you be kind of a bit neutral just wanting to kind of hold and wait to see what happens before making any decisions, or would you feel like you would rather sell out and move to something a bit more secure but that means you are then also selling when the prices have dropped.","start":654.64996,"end":669.40497,"sentiment":"neutral","sentiment_score":-0.06642412265593356}],"sentiment":"neutral","sentiment_score":-0.02276760721817995,"channel":0,"num_words":117,"start":630.0,"end":669.40497},{"sentences":[{"text":"No.","start":671.44995,"end":671.76996,"sentiment":"neutral","sentiment_score":-0.09263177216053008},{"text":"I'd be neutral.","start":671.76996,"end":672.58997,"sentiment":"neutral","sentiment_score":-0.05333416536450386}],"sentiment":"neutral","sentiment_score":-0.06315856706351042,"channel":1,"num_words":4,"start":671.44995,"end":672.58997},{"sentences":[{"text":"Neutral.","start":672.985,"end":673.485,"sentiment":"neutral","sentiment_score":0.045091383159160614},{"text":"Yep.","start":673.545,"end":673.94495,"sentiment":"neutral","sentiment_score":0.20866715908050537},{"text":"Perfect.","start":673.94495,"end":674.44495,"sentiment":"positive","sentiment_score":0.5479038953781128},{"text":"And, again, when it comes to fluctuations, if you ever notice fluctuation in any of your investments, including superannuation, would you feel optimistic about future investment opportunities?","start":677.70496,"end":690.76996,"sentiment":"neutral","sentiment_score":0.1908698868420389},{"text":"Again, kind","start":691.47,"end":692.11,"sentiment":"neutral","sentiment_score":0.04966133087873459}],"sentiment":"neutral","sentiment_score":0.18920225137844682,"channel":0,"num_words":32,"start":672.985,"end":692.11},{"sentences":[{"text":"Yeah.","start":691.985,"end":692.485,"sentiment":"neutral","sentiment_score":0.07550611346960068}],"sentiment":"neutral","sentiment_score":0.07550611346960068,"channel":1,"num_words":1,"start":691.985,"end":692.485},{"sentences":[{"text":"of a bit new neutral, 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borrowing.","start":697.485,"end":700.225,"sentiment":"neutral","sentiment_score":0.09186330437660217},{"text":"So would you ever consider taking out a loan to invest in stocks or funds 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now, Richard, that tells me here that you have come out as a high growth investor, which is the portfolio we currently have you invested in.","start":711.69,"end":720.685,"sentiment":"neutral","sentiment_score":0.13415345991099323}],"sentiment":"neutral","sentiment_score":0.13514743108422525,"channel":0,"num_words":31,"start":708.57,"end":720.685},{"sentences":[{"text":"Yep.","start":720.525,"end":721.025,"sentiment":"neutral","sentiment_score":0.05071680247783661},{"text":"Yep.","start":721.085,"end":721.585,"sentiment":"neutral","sentiment_score":0.043445587158203125}],"sentiment":"neutral","sentiment_score":0.04708119481801987,"channel":1,"num_words":2,"start":720.525,"end":721.585},{"sentences":[{"text":"Now do you remember what it means to be a high growth investor at 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aggressive,","start":744.42004,"end":745.54004,"sentiment":"neutral","sentiment_score":0.0009673871099948886}],"sentiment":"neutral","sentiment_score":-0.005099844187498093,"channel":0,"num_words":29,"start":738.26,"end":745.54004},{"sentences":[{"text":"Yeah.","start":745.375,"end":745.875,"sentiment":"neutral","sentiment_score":0.028352165594697}],"sentiment":"neutral","sentiment_score":0.028352165594697,"channel":1,"num_words":1,"start":745.375,"end":745.875},{"sentences":[{"text":"and then you have high growth.","start":745.54004,"end":747.22504,"sentiment":"neutral","sentiment_score":0.0487260902300477},{"text":"So it is still, you know, quite high in terms of how much you have allocated to your growth 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I will speak to you next week.","start":1378.515,"end":1380.375,"sentiment":"neutral","sentiment_score":0.20005559735000134}],"sentiment":"neutral","sentiment_score":0.20005559735000134,"channel":0,"num_words":8,"start":1378.515,"end":1380.375},{"sentences":[{"text":"Okay.","start":1380.37,"end":1380.61,"sentiment":"neutral","sentiment_score":0.19560296833515167},{"text":"Thanks, Veronica.","start":1380.61,"end":1381.4299,"sentiment":"positive","sentiment_score":0.5096321702003479}],"sentiment":"positive","sentiment_score":0.40495576957861584,"channel":1,"num_words":3,"start":1380.37,"end":1381.4299},{"sentences":[{"text":"Okay.","start":1381.635,"end":1382.135,"sentiment":"neutral","sentiment_score":0.3032282590866089}],"sentiment":"neutral","sentiment_score":0.3032282590866089,"channel":0,"num_words":1,"start":1381.635,"end":1382.135},{"sentences":[{"text":"Bye.","start":1381.8099,"end":1382.3099,"sentiment":"neutral","sentiment_score":0.1841159462928772}],"sentiment":"neutral","sentiment_score":0.1841159462928772,"channel":1,"num_words":1,"start":1381.8099,"end":1382.3099},{"sentences":[{"text":"No worries.","start":1382.275,"end":1382.995,"sentiment":"neutral","sentiment_score":0.11327548697590828},{"text":"Bye.","start":1382.995,"end":1383.495,"sentiment":"neutral","sentiment_score":0.13624201714992523}],"sentiment":"neutral","sentiment_score":0.12093099703391393,"channel":0,"num_words":3,"start":1382.275,"end":1383.495},{"sentences":[{"text":"Bye.","start":1383.09,"end":1383.59,"sentiment":"neutral","sentiment_score":-0.10890500247478484}],"sentiment":"neutral","sentiment_score":-0.10890500247478484,"channel":1,"num_words":1,"start":1383.09,"end":1383.59}]},"summary":{"result":"success","short":"Representatives from OCU Financial speak with Richard about his annual review and goals for refinancing his house and mortgage. They discuss his personal information, employment, insurance coverage, and retirement plans. The agents also discuss Richard's risk tolerance and investment strategy, including his risk tolerance and investment strategy. They provide information on his risk tolerance and investment strategy, including his risk tolerance and investment strategy. The agents also discuss Richard's risk tolerance and investment strategy, including his risk tolerance and investment strategy. They provide information on their risk tolerance and investment strategy, including their risk tolerance and investment strategy. They also mention a follow-up catch-up with Richard to go over research and make any changes to his investment."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Richard Raymond Berry.","start_word":133,"end_word":166,"intents":[{"intent":"Confirm identity","confidence_score":0.6661777},{"intent":"Confirm identity","confidence_score":0.14059356}]},{"text":"Well, I've got currently, this my settlement from my divorce is in the courts. Mhmm.","start_word":225,"end_word":239,"intents":[{"intent":"Discuss settlement","confidence_score":0.26131722}]},{"text":"So I'm gonna have to get the house and mortgage and everything trans like refinance and transfer it all back into my name. Okay.","start_word":240,"end_word":263,"intents":[{"intent":"Refinance house","confidence_score":0.035639707}]},{"text":"And, obviously, getting things refinanced and everything, do you have a good mortgage and stuff that can help you, or do you need help with any of that?","start_word":309,"end_word":336,"intents":[{"intent":"Inquire about mortgage assistance","confidence_score":0.009022657}]},{"text":"Do you want me to update to $9.50?","start_word":642,"end_word":649,"intents":[{"intent":"Update information","confidence_score":0.11562858}]},{"text":"What they have changed is that you are no longer so as of the tenth of this month, they changed that that you are no longer able to borrow money inside super inside the self managed super fund for a residential property.","start_word":1333,"end_word":1374,"intents":[{"intent":"Clarify property ownership and borrowing rules","confidence_score":0.00007303175}]},{"text":"And if, obviously, if you think of your current situation, if you were to retire, do you think you need a little bit more than a thousand dollars, obviously, with Yeah.","start_word":1602,"end_word":1632,"intents":[{"intent":"Determine investment preferences","confidence_score":0.007683628},{"intent":"Determine investment options","confidence_score":0.06692053},{"intent":"Inquire about current situation","confidence_score":0.0003931525}]},{"text":"you that a little bit more financial stability. Yeah.","start_word":1698,"end_word":1706,"intents":[{"intent":"Provide financial stability","confidence_score":0.004059787}]},{"text":"Now, otherwise, when it comes to how your money is invested in superannuation, I'll just kind of quickly go through a couple of questions to see if your risk tolerance has changed in terms of how we actually invest your money in your superannuation. Yes.","start_word":1710,"end_word":1754,"intents":[{"intent":"Determine risk tolerance","confidence_score":0.12537795},{"intent":"Ask about investment options","confidence_score":0.0000100141915}]},{"text":"And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment. And then after six months, it decreased by 20% due to market trends.","start_word":1836,"end_word":1868,"intents":[{"intent":"Determine volatility preferences","confidence_score":0.050918225},{"intent":"Express uncertainty about market trends","confidence_score":0.005899555}]},{"text":"And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment. And then after six months, it decreased by 20% due to market trends. Would you think that if you had the option to do so, now is good time to put more money in while the prices are down.","start_word":1836,"end_word":1894,"intents":[{"intent":"Specify investment duration","confidence_score":0.00058122195},{"intent":"Place investment","confidence_score":0.007998509}]},{"text":"Would you think that if you had the option to do so, now is good time to put more money in while the prices are down. Would you be kind of a bit neutral just wanting to kind of hold and wait to see what happens before making any decisions, or would you feel like you would rather sell out and move to something a bit more secure but that means you are then also selling when the prices have dropped. No.","start_word":1869,"end_word":1950,"intents":[{"intent":"Decide on market trends","confidence_score":0.00051225827}]},{"text":"And, again, when it comes to fluctuations, if you ever notice fluctuation in any of your investments, including superannuation, would you feel optimistic about future investment opportunities? Again, kind Yeah.","start_word":1957,"end_word":1986,"intents":[{"intent":"Assess investment opportunities","confidence_score":0.01040683}]},{"text":"One of the things we look at is time frame, which is to make sure that you have enough time for these kind of up and down fluctuations. Sorry Yeah.","start_word":2282,"end_word":2311,"intents":[{"intent":"Manage superannuation superannuation","confidence_score":0.000053883847}]},{"text":"Now with your insurances, you have some insurance with MetLife as well. You have your life and total permanent disability insurance, and that Yeah, will please. cover you for 567,000. Now, Yep.","start_word":2626,"end_word":2657,"intents":[{"intent":"Provide insurance coverage","confidence_score":0.013373065},{"intent":"Provide information on insurance coverage","confidence_score":0.008909953}]},{"text":"obviously, with the changes in assets and stuff, are you still happy with the level of cover you have for Yeah.","start_word":2657,"end_word":2677,"intents":[{"intent":"Verify insurance level","confidence_score":0.0004453962}]},{"text":"Now you also have your income protection, and that will cover you for $8,995 per month. Now Mhmm.","start_word":2739,"end_word":2756,"intents":[{"intent":"Offer income protection","confidence_score":0.0015396519}]},{"text":"Now the next document shows you your performance. So, basically, what's happened with your investments in your superannuation over the last twelve months. So, obviously, the last twelve months, we have had bit of bit of fluctuations in the market, which Yeah.","start_word":2881,"end_word":2922,"intents":[{"intent":"Discuss investments","confidence_score":0.031240504},{"intent":"Explain financial fluctuations","confidence_score":0.001421847},{"intent":"Analyze markets","confidence_score":0.000031569707}]},{"text":"But in saying that, though, and in the fact that you are in a high growth portfolio, which can see more fluctuations with everything going on in the market, it's still done pretty good.","start_word":2937,"end_word":2970,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.17247885}]},{"text":"The one thing I do want to let you know is that we've had a little bit of change when it comes to our fee structure.","start_word":3278,"end_word":3303,"intents":[{"intent":"Negotiate fee structure and structure","confidence_score":0.000015151652}]},{"text":"When is a best time for yourself usually? Like, I know, obviously, sometimes it changes with your work, but roughly Maybe eight thirty in the morning.","start_word":3736,"end_word":3761,"intents":[{"intent":"Schedule call","confidence_score":0.03569411}]}]},"sentiments":{"segments":[{"text":"Hello. Richard speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03282136842608452},{"text":"Good morning, Richard.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3334505558013916},{"text":"It's Veronica from OCU Financial. How are you? Hello. How are you doing?","start_word":6,"end_word":18,"sentiment":"neutral","sentiment_score":0.19896100461483},{"text":"Good.","start_word":19,"end_word":19,"sentiment":"positive","sentiment_score":0.42123284935951233},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.2774103581905365},{"text":"All good. That's good. I had you booked in to go over your annual review.","start_word":23,"end_word":37,"sentiment":"positive","sentiment_score":0.4838033616542816},{"text":"Is now still a good time for you? Yep. Yep. Yep.","start_word":38,"end_word":48,"sentiment":"neutral","sentiment_score":0.20352664589881897},{"text":"Now just Perfect.","start_word":49,"end_word":51,"sentiment":"positive","sentiment_score":0.36530041694641113},{"text":"a bit busy outside. Yep. I'm here. Oh, good. If you do have to rush off, though, because I know, obviously, with your work, if That's you are alright. just let We'll me keep know. our fingers crossed. Okay. Yeah. And I'll try to make it quick for you. But before I do kind of jump any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Richard Raymond Berry. 228218 Grahams Road, Sharon. Yeah.","start_word":52,"end_word":171,"sentiment":"neutral","sentiment_score":0.0660635456442833},{"text":"Beautiful.","start_word":172,"end_word":172,"sentiment":"positive","sentiment_score":0.4214588403701782},{"text":"Before I kind of jump into things as well, I do like to start by asking if there is anything specific that you're hoping to get out of the review today or any particular questions you have, or or there's just a bit of a catch up and see where everything's at. Well, I've got currently, this my settlement from my divorce is in the courts. Mhmm. So I'm gonna have to get the house and mortgage and everything trans like refinance and transfer it all back into my name. Okay. And with time frames, do you know how long Yeah. until They it's all say kinda sorted? like, the court the court says ninety days, but, Okay. you know, me me and my ex wife won't enforce that with each other. Yeah. Yeah. Okay. Perfect. And, obviously, getting things refinanced and everything, do you have a good mortgage and stuff that can help you, or do you need help with any of that? Well, I've had a mortgage broker in the past. It could probably help. Okay. Yeah. Yeah. Yeah. Okay.","start_word":173,"end_word":354,"sentiment":"neutral","sentiment_score":0.019462758286313695},{"text":"Perfect.","start_word":355,"end_word":355,"sentiment":"positive","sentiment_score":0.4547070264816284},{"text":"If you do struggle or need assistance, Thank just you. let us know, Yep. and we can always refer you on through someone. Now Yep. do you know as part of the settlement if anything is changing with your superannuation? No. No. Nothing's changing. Okay. Just I'm taking my house, and she's taking her house, if Okay. that makes Okay. sense. Great. Yeah. No. Yes. We're we're all good, me and her. Yeah.","start_word":356,"end_word":428,"sentiment":"neutral","sentiment_score":0.09475523978471756},{"text":"Oh, beautiful. That's I great. think I've got the best ex wife in the world, so I'm That's very good. lucky that way. That's good, especially with the kids and stuff as well.","start_word":429,"end_word":461,"sentiment":"positive","sentiment_score":0.5301309823989868},{"text":"Yeah.","start_word":462,"end_word":462,"sentiment":"neutral","sentiment_score":0.290296345949173},{"text":"That's really good to hear.","start_word":463,"end_word":467,"sentiment":"positive","sentiment_score":0.393197238445282},{"text":"Alright. So We we I'll update. won't we won't go Yeah. into the ex partner, but so let's look at No. That's it. fine. We can we can leave that be. Yeah. Now with the assets, just so I can update. Sorry. Yep. The the one that you will keep, is that the the one valued last at about 800,000, Yeah. like the one that you lived in? Okay. Yes. So The the current address. Yeah. yep. So that will be yours. Now do you know if it's still valid at about 800? Well, the real estate agent come out, like, a few weeks ago, like, when like, you know, drawing up the papers, and he he reckons he could get close to $9.50 to 1,000,000. But, you know, I think he's I think he's pulling me tail there trying to get me to you know? Because then you say, Yeah. oh, if you wanna sell, let me know. I'll say, oh, I just have to buy somewhere else, mate. Yeah. But, True. Do you want me to update to $9.50? I mean, like, If he's if that's what he's saying, you know, yep. that's what the court said before the court says, I think so. Okay. Yeah.","start_word":468,"end_word":675,"sentiment":"neutral","sentiment_score":-0.03452211795732952},{"text":"Perfect.","start_word":676,"end_word":676,"sentiment":"positive","sentiment_score":0.5039551854133606},{"text":"And with the mortgage on that one, I have it at about $5.15. It's about $4.50, I think. $4.30, Four 50. 4 to $4.30, maybe $4.50, around there. Okay.","start_word":677,"end_word":705,"sentiment":"neutral","sentiment_score":0.12106644362211227},{"text":"Beautiful.","start_word":706,"end_word":706,"sentiment":"positive","sentiment_score":0.604477047920227},{"text":"And then the other property, that will then be in your ex wife's name. Is that correct? That won't Yeah. be in yours anymore? No. No. No. Okay. Perfect. Otherwise, I have a motor vehicle at about 20,000. Is that that's yours? Yeah. About that. Yeah. Oh, it's Yeah. a leased vehicle, so I don't own it. Yeah. Yeah. Okay. And do you know if you were to repay out the the lease and everything, how much would be left on the car owing? I yeah. I I don't know. I honestly don't know. I know the residuals are $10. I I don't know. No. I That's couldn't I all couldn't good. tell Just put on sure. Any other assets you. in your name otherwise? No. No. Okay. Great. So what I'll do is I'll just quickly go through the fact line while we are kind of talking about this to see if there's anything else that's changed, if we need to make any changes to your advice. Yep. So just kind of bear with me as I run through this. Now next up, Ken, I still have Courtney nominated. Would you like to Yeah. change No. That's this? that's fine. That's fine. Okay. Yeah. Yep. And it's just in the event that something happens to you and someone to contact. It doesn't Yeah. give Yep. her any rights on anything. It is just Yeah. a point of contact. Yep.","start_word":707,"end_word":946,"sentiment":"neutral","sentiment_score":0.020118262890415888},{"text":"Perfect.","start_word":947,"end_word":947,"sentiment":"positive","sentiment_score":0.628035306930542},{"text":"And when it comes to estate planning, I do have here, obviously, your super insurance going through 50% Emma, 50% Lucy. That's still Yep. correct? Yep. Yep.","start_word":948,"end_word":974,"sentiment":"neutral","sentiment_score":0.12234225869178772},{"text":"Beautiful.","start_word":975,"end_word":975,"sentiment":"positive","sentiment_score":0.5017035007476807},{"text":"And employment wise, so, obviously, still a paramedic? Yep. Yep. Perfect. So still with Queensland ambulance, still Yep. working full time. No changes there. Yep. No. Beautiful. Income, I have at about one fifty. Do Yeah. you know if That's that's that's still about the case? right. That's Yep. about right. Perfect. Yeah. And I do have here as well, obviously, salary sacrifice. It's about 245 a fortnight. Does that sound about right What was that? What was that? Sorry. with your extra contributions? So the salary Oh, yes. sacrificing Yeah. to save that. Yeah. Yep. Perfect. Great. Otherwise, health and lifestyle, have you had any changes, like any No. significant health issues, injuries, anything? All good there? Yep. Yep. Beautiful. And do you have a will or power of attorney or anything like No. that in I place? don't, actually. Nope. Alright. That's good. And I guess when it comes to goals, the stuff that you're working towards or that you are wanting to achieve during the under review, it's sometimes good to do a bit of a check-in to see what's changed. Obviously, I imagine that right now, the main focus is obviously with the the settlement and the court and everything Yeah. and get that all sorted. Yeah. Aside from that, do you have anything particular that you are working towards that you are wanting to achieve yourself? Well, I'd like another investment property, but I know that's probably not gonna happen the way I used to have it. So I'd like to once all this is sorted, Mhmm. get an investment property with the super because I'd rather not have it all stuck in shares. Yep. Okay. Perfect. So looking at the the South Manit Superfund route potentially. I don't really have the time for that, but it's yeah. Something like that with your help. Yeah. Yeah.","start_word":976,"end_word":1286,"sentiment":"neutral","sentiment_score":0.03371697554658272},{"text":"Perfect.","start_word":1287,"end_word":1287,"sentiment":"positive","sentiment_score":0.6096370220184326},{"text":"Because that's kind of they have recently changed with the the budget and everything changes in regards to having properties Okay. inside superannuation as well. So the only way that you can have property inside superannuation is through a self managed super fund. Broad. Yes. What they have changed is that you are no longer so as of the tenth of this month, they changed that that you are no longer able to borrow money inside super inside the self managed super fund for a residential property. So unless you use everything that you have and that covers the property, Oh, I'm not you gonna leave it at that. Yeah. yeah. Because it's more so even, like, investment properties and stuff, like, it has to be commercial property if you wanna borrow. Otherwise Okay. What what do you mean by yeah. that? Like a business? Yes. Oh, Exactly. so you can't buy you can't buy a property anymore and rent it out. Not to borrow. So if you have enough money in superannuation and you pay for Yeah. it outright, Okay. which obviously most people can't, Yeah. then they have changed the borrowing arrangement inside superannuation. Right. So they have made it quite a lot harder Yeah. Yeah. with that. But, you know, it's always something we can assess, see how things go. You never know what rules and stuff changes Yeah. before it's something we can always keep an keep an eye on and kind of see Yep. see what happens down the track. Yep. Yeah. Okay. Beautiful. Otherwise, I have here that you wanna retire ideally at 60 with an income of about a thousand dollars per week if I you have don't no have the mortgage. idea. Well, that'd be great. That was, Yeah. yeah, that that was the plan twelve months ago, and things have changed, obviously. Yeah. Yeah. Yeah. And if, obviously, if you think of your current situation, if you were to retire, do you think you need a little bit more than a thousand dollars, obviously, with Yeah. if you have Definitely the mortgage and stuff?","start_word":1288,"end_word":1640,"sentiment":"neutral","sentiment_score":-0.021769500825628004},{"text":"definitely a bad age.","start_word":1641,"end_word":1644,"sentiment":"negative","sentiment_score":-0.48373112082481384},{"text":"Yeah. Yeah. How much would you say? Like, 1,500, 2,000 a week? Look. What If I had the mortgage still, I wouldn't yes. retire until the mortgage is gone. Okay. Okay. Perfect. Yeah.","start_word":1645,"end_word":1677,"sentiment":"neutral","sentiment_score":-0.04046005755662918},{"text":"So that's all good.","start_word":1678,"end_word":1681,"sentiment":"positive","sentiment_score":0.3582661747932434},{"text":"So, ideally, 60, but you obviously work probably until the mortgage is cleared to give Yeah. you that a little bit more financial stability. Yeah. Yeah. Okay.","start_word":1682,"end_word":1708,"sentiment":"neutral","sentiment_score":0.13889651000499725},{"text":"Great.","start_word":1709,"end_word":1709,"sentiment":"positive","sentiment_score":0.40769970417022705},{"text":"Now, otherwise, when it comes to how your money is invested in superannuation, I'll just kind of quickly go through a couple of questions to see if your risk tolerance has changed in terms of how we actually invest your money in your superannuation. Yes. It is all just multiple choice to make it nice and easy, and there is no right or wrong Yes. answer. Now, Richard, have you ever bought direct shares yourself? No. No. Perfect. And when it comes to how much risk you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Probably moderate Moderate? now. Yep. Yeah. That's all good. And when it comes to volatility, so fluctuations with your investments, is, hypothetically speaking, you were to place an investment. And then after six months, it decreased by 20% due to market trends. Would you think that if you had the option to do so, now is good time to put more money in while the prices are down. Would you be kind of a bit neutral just wanting to kind of hold and wait to see what happens before making any decisions, or would you feel like you would rather sell out and move to something a bit more secure but that means you are then also selling when the prices have dropped. No. I'd be neutral. Neutral. Yep.","start_word":1710,"end_word":1955,"sentiment":"neutral","sentiment_score":0.03570319663702957},{"text":"Perfect.","start_word":1956,"end_word":1956,"sentiment":"positive","sentiment_score":0.5479038953781128},{"text":"And, again, when it comes to fluctuations, if you ever notice fluctuation in any of your investments, including superannuation, would you feel optimistic about future investment opportunities? Again, kind Yeah. of a bit new neutral, optimistic? Yeah. Yeah.","start_word":1957,"end_word":1994,"sentiment":"neutral","sentiment_score":0.18481920659542084},{"text":"Optimistic. Yep. Perfect.","start_word":1995,"end_word":1997,"sentiment":"positive","sentiment_score":0.42150649428367615},{"text":"And the last one comes in regards to borrowing. So would you ever consider taking out a loan to invest in stocks or funds personally? Probably. Yeah. Probably. Yeah. Okay. Perfect. And now, Richard, that tells me here that you have come out as a high growth investor, which is the portfolio we currently have you invested in. Yep. Yep. Now do you remember what it means to be a high growth investor at all? You're pretty much going into the highest risk, you know, and it fluctuates a bit. Yeah. So it is it's not like you're aggressive. So that will be, like, your in terms of, like, Yep. the different levels we have, we have, like, aggressive plus, which is where you're actually borrowing money to invest, and, obviously, that's the riskiest. And then you have aggressive, Yeah. and then you have high growth. So it is still, you know, quite high in terms of how much you have allocated to your growth investments, Yep. which is a combination of Australian shares, international shares, but also property. Yep. And these are the ones that's going to give you the most amount of growth, but like you said, Yep. also fluctuate the most. So in Yeah. a high growth portfolio, we have about 90% allocated to this Yep. and then about 10% in defensive, like your cash, your gold, your fixed interest Yeah. limit fluctuations a little bit, but that's only a smaller portion. No. I'm Now happy with that.","start_word":1998,"end_word":2248,"sentiment":"neutral","sentiment_score":0.04299946501851082},{"text":"happy with that. Beautiful.","start_word":2249,"end_word":2252,"sentiment":"positive","sentiment_score":0.4267442226409912},{"text":"If you are. And, also Yeah. Yeah. And, like, when you are looking at a time frame, so there's a couple of things that obviously comes into play. One of the things we look at is time frame, which is to make sure that you have enough time for these kind of up and down fluctuations. Sorry Yeah. for Yeah. that to come back around before retirement. Yep. And in a high growth portfolio, we typically would like to see eight years until retirement. So you Yeah. certainly have that behind you.","start_word":2253,"end_word":2344,"sentiment":"neutral","sentiment_score":0.04025064781308174},{"text":"So from a time frame point of view, it's in a good position to Yep.","start_word":2345,"end_word":2359,"sentiment":"positive","sentiment_score":0.3617653250694275},{"text":"kinda grow your super so you have more by retirement as long as you are comfortable seeing, you know, a bit of those short term fluctuations. Yeah. Yep. Okay.","start_word":2360,"end_word":2388,"sentiment":"neutral","sentiment_score":0.22975103557109833},{"text":"Yep. Beautiful. We'll we'll leave that as a high growth for now.","start_word":2389,"end_word":2400,"sentiment":"positive","sentiment_score":0.48708802461624146},{"text":"And, obviously, if anything changes, let us know. And then Yep. the closer you do get to retirement, that's Yep. where we then gradually start to looking at shifting things a little bit for you. Yeah.","start_word":2401,"end_word":2436,"sentiment":"neutral","sentiment_score":0.18757951259613037},{"text":"Perfect.","start_word":2437,"end_word":2437,"sentiment":"positive","sentiment_score":0.4771609902381897},{"text":"Now the next thing, Richard, is just to go through a couple of documents about your super and your insurances and performance on your investments. So do you have access to your emails at the moment, or Not is while it I'm a bit on the hard? phone. No. That's all good. If you're happy for me to do so, I'll Yeah. just kind of quickly run through the documents. And then Yep. later, I have to send you an email with those attachments. So have a look through them. And if you have any questions, you can always No worries. just give me a call. Okay.","start_word":2438,"end_word":2544,"sentiment":"neutral","sentiment_score":0.0777503252029419},{"text":"Beautiful.","start_word":2545,"end_word":2545,"sentiment":"positive","sentiment_score":0.4355168342590332},{"text":"Now with the documents, you will see the first one, which is a breakdown of your super and your insurances. Mhmm. Now it does show you your current superannuation with hub twenty four. I did have a quick look at your super balance as of last annual review when we spoke as well just to give you that comparison. Yep. And at that time, Mhmm. you had 426,547 in there. And now Yep. you have $461,602 in there. Yep. Now with your insurances, you have some insurance with MetLife as well. You have your life and total permanent disability insurance, and that Yeah, will please. cover you for 567,000. Now, Yep. obviously, with the changes in assets and stuff, are you still happy with the level of cover you have for Yeah. for life and TPD? Yep. Yep.","start_word":2546,"end_word":2683,"sentiment":"neutral","sentiment_score":0.09711060500231342},{"text":"Beautiful.","start_word":2684,"end_word":2684,"sentiment":"positive","sentiment_score":0.6374039649963379},{"text":"And if something were to happen, at least they will pay out the mortgage Yes. on Yeah. on the property, leave you a little bit of extra as well to cover any expenses, or, obviously, Yep. if something were to happen to you, leaving that to Yeah. your kids as well. Yep.","start_word":2685,"end_word":2736,"sentiment":"neutral","sentiment_score":0.06746996939182281},{"text":"Beautiful.","start_word":2737,"end_word":2737,"sentiment":"positive","sentiment_score":0.5421610474586487},{"text":"Yep. Now you also have your income protection, and that will cover you for $8,995 per month. Now Mhmm. you do have a 90 day waiting period Yep. and a five year benefit period. Are Yep. you still happy with the level of cover you Yeah. have for your income protection? Yep. Yep.","start_word":2738,"end_word":2790,"sentiment":"neutral","sentiment_score":0.09711340814828873},{"text":"Beautiful.","start_word":2791,"end_word":2791,"sentiment":"positive","sentiment_score":0.4976847767829895},{"text":"Now with the income protection as well sorry. With all those three covers, they are paid from within hub twenty four, so you don't pay for those out of pocket. Yep. You do get a 15% tax rebate, and total premium is 2,550 for those three. Yep. Yep. You also have trauma cover, and that is paying you out a 111,857 if something were to happen. You pay for that out of pocket, and it's about $27.25 per month. Also Yep. happy with the trauma cover? Yep. Yep.","start_word":2792,"end_word":2879,"sentiment":"neutral","sentiment_score":0.12657393515110016},{"text":"Perfect.","start_word":2880,"end_word":2880,"sentiment":"positive","sentiment_score":0.5481212139129639},{"text":"Now the next document shows you your performance. So, basically, what's happened with your investments in your superannuation over the last twelve months. So, obviously, the last twelve months, we have had bit of bit of fluctuations in the market, which Yeah. I'm sure you've seen on the news and everything Yep. that has happened. But in saying that, though, and in the fact that you are in a high growth portfolio, which can see more fluctuations with everything going on in the market, it's still done pretty good. So in the last twelve months, Mhmm.","start_word":2881,"end_word":2976,"sentiment":"neutral","sentiment_score":0.14658267734921537},{"text":"after all fees have been deducted from your account, it's still gone up by 8.68 percent, which Yep. we're quite happy with given the Yeah. the market conditions. Yep. So that's good.","start_word":2977,"end_word":3008,"sentiment":"positive","sentiment_score":0.4929472506046295},{"text":"In terms of a dollar value, so that is just growth on your investments, it's about 44,538. Yep. So Yep.","start_word":3009,"end_word":3028,"sentiment":"neutral","sentiment_score":0.2486061453819275},{"text":"pretty, pretty good still.","start_word":3029,"end_word":3032,"sentiment":"positive","sentiment_score":0.5284610986709595},{"text":"Now when Yeah. it comes to your investments, we also want to make sure that we do take a, obviously, proactive approach to your investments. It's something we always research. Because if there is a investment that we foresee, you know, underperforming a little bit or potentially not being the best option moving forward and we think there might be other suitable options, we do Yeah. obviously want to take that proactive approach. So I can Mhmm. see that there is one investment in your portfolio that I would like to do a little bit more research on and see if we want to look at changing it because it has underperformed a little bit.","start_word":3033,"end_word":3147,"sentiment":"neutral","sentiment_score":0.03351195529103279},{"text":"The rest of your investments are doing really well if you are happy for me Okay.","start_word":3148,"end_word":3163,"sentiment":"positive","sentiment_score":0.3590857982635498},{"text":"to do Yeah. that for you. Absolutely. Yeah. Yep. Great. Any questions so far, or that's pretty No. straightforward? No. Perfect. Now you will also have your certificate of currency for your insurances. Just gives you a little bit more information in regards through them, but basically lets you know that's all paid and up to date. Mhmm. Now you will also have your Oakview services guide. Again, you would have seen this a couple of times before. It is one of those compliance documents. Yep. It does give you all the important information Yep. in regards to us here at Oakview. View. You'll see all the directors, advisers, and everything in there. The one thing I do want to let you know is that we've had a little bit of change when it comes to our fee structure. Uh-huh.","start_word":3164,"end_word":3303,"sentiment":"neutral","sentiment_score":0.10937101401920828},{"text":"So for you, right now, it's actually turning out a little bit cheaper, which is great. So Cool.","start_word":3304,"end_word":3321,"sentiment":"positive","sentiment_score":0.5457491278648376},{"text":"if you remember that it it used to be a flat fee of 1.65% from Yep. superannuation. And now what we are changing to is more of a tiered structure, whereas your super balance grows, it will then gradually get cheaper. That is outlined Okay. in that document for you. Yep. But just for your reference, it means that from between zero to two hundred thousand, it's the same at 1.65. Then between 200,000 and 500,000, it's reduced to 1.375%. Yep. Then between 500,000 and a million, it's 1.1. And then 1,000,000 to 2,000,000, it's 0.825. Yep. So, Okay. essentially, it kind of just decreases Yeah. as your balance grows. Does that make sense? Yes. It does. Yep. Yeah. Okay.","start_word":3322,"end_word":3441,"sentiment":"neutral","sentiment_score":0.05240413546562195},{"text":"Beautiful.","start_word":3442,"end_word":3442,"sentiment":"positive","sentiment_score":0.4599415361881256},{"text":"So that's all in there for you, but it is also outlined on the ongoing service agreement as well, which is the next document. Mhmm. That one here, it will ask for your signature later if you're happy to do so, and that is just to say that you are happy to stay on as a client. Now it is not a lock in contract, Richard. So if at any point in time you are not happy, it is not a lock in contract. There's no excess fees or anything like that. But by Yeah. signing this, otherwise, it just allows us to manage all your investments and your and your insurances and everything for you in the meantime. Does Yeah. that all make sense? Yes. Yeah. Yep.","start_word":3443,"end_word":3570,"sentiment":"neutral","sentiment_score":0.1452239453792572},{"text":"Beautiful.","start_word":3571,"end_word":3571,"sentiment":"positive","sentiment_score":0.5095245838165283},{"text":"Now there will be one last document that I will also ask for your signature if you are happy to do so, and that is just a compliance form to say that we are keeping your tax phone number secure and safe on Yep. file. We already have it, so you don't need to provide it, but it is basically just to let you know that. Yes. Okay. No worries. Yep.","start_word":3572,"end_word":3642,"sentiment":"neutral","sentiment_score":0.22742880775894916},{"text":"Perfect.","start_word":3643,"end_word":3643,"sentiment":"positive","sentiment_score":0.5048553943634033},{"text":"Do you have any questions in regards to any No. of those documents at this point? No. Perfect. Nope.","start_word":3644,"end_word":3662,"sentiment":"neutral","sentiment_score":0.04414429888129234},{"text":"Pretty straightforward.","start_word":3663,"end_word":3664,"sentiment":"positive","sentiment_score":0.35551977157592773},{"text":"So what I will do, Richard, while I have you on the phone is just to kind of quickly book in a catch up to go over the research that I'll do on your super investments to see if we wanna make any changes. Yep. Okay. It should be pretty straightforward. It will take me probably about a week, so I can have Yeah. it done for you by next week. When is a best time for yourself usually? Like, I know, obviously, sometimes it changes with your work, but roughly Maybe eight thirty in the morning. Yeah. 08:30? Yep. Beautiful. I could do let me see here. I could do 08:30 either on Wednesday, the second, or Tuesday, August 1. I think Tuesday So next would Tuesday. be the best. Tuesday? Okay. Yep.","start_word":3665,"end_word":3798,"sentiment":"neutral","sentiment_score":0.10273994505405426},{"text":"Beautiful.","start_word":3799,"end_word":3799,"sentiment":"positive","sentiment_score":0.33912742137908936},{"text":"So I will book that in next Tuesday, August 1, which is pretty crazy that it's not already at 08:30. If anything does change Yeah. and Oh, well, you can't yep. make it, yeah, just let me know. And would you like a reminder text sent, like, Yes, 24 please. hours before? Yep.","start_word":3800,"end_word":3852,"sentiment":"neutral","sentiment_score":0.04682128131389618},{"text":"That'd Beautiful. be And great.","start_word":3853,"end_word":3857,"sentiment":"positive","sentiment_score":0.3978995382785797},{"text":"did you get the text reminder this time? I can't remember. Okay. Because I know I said it, and I was like, I know you didn't get it time, so I just wanted to make sure. But that is no problem. I will set that up for you, and I will give you a call next Tuesday the first at 08:30. In the meantime, when you have a moment, just have a look through those documents for me. Any questions, let me know. If not, if you're happy to do so, it will just ask for the signature on those two documents. Yeah. No Yep. worries.","start_word":3858,"end_word":3963,"sentiment":"neutral","sentiment_score":0.10558914393186568},{"text":"Beautiful.","start_word":3964,"end_word":3964,"sentiment":"positive","sentiment_score":0.3742298781871796},{"text":"Do you have any questions for me before I let you go otherwise, Richard? No. That's all good. No?","start_word":3965,"end_word":3983,"sentiment":"neutral","sentiment_score":-0.0039022716227918863},{"text":"I'm happy. Beautiful. Great. Well, I hope the rest of your day is is pretty crazy.","start_word":3984,"end_word":3999,"sentiment":"positive","sentiment_score":0.6151681542396545},{"text":"Nothing Thank too you. too You bad, too. and I will speak to you next week. Okay.","start_word":4000,"end_word":4016,"sentiment":"neutral","sentiment_score":0.1862153261899948},{"text":"Thanks, Veronica.","start_word":4017,"end_word":4018,"sentiment":"positive","sentiment_score":0.4958244860172272},{"text":"Okay. Bye. No worries. Bye. Bye.","start_word":4019,"end_word":4024,"sentiment":"neutral","sentiment_score":0.1648683100938797}],"average":{"sentiment":"neutral","sentiment_score":0.08372274839629512}}}}